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| Provider | Service type | Compensation |
|---|---|---|
RAYMOND JAMES FINANCIAL SERVICES3+ years Filed as: RAYMOND JAMES & ASSOCIATES INC Service code 55 · EIN 59-1237041 | Other Commissions | $17,162 |
Service code 37 · EIN 04-2647786 | Loan Processing | $1,494 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $42,276 | $66,601-36.5% | $92,909-54.5% | $67,579-37.4% |
| Participation rate | 37.5% | 72.5%-35.0pp | 76.0%-38.5pp | 71.3%-33.7pp |
| Annual return | 23.05% | 92.58%-69.5pp | 109.44%-86.4pp | 378.56%-355.5pp |
| Employer contribution / active EE | $166 | $2,775-94.0% | $3,653-95.5% | $2,148-92.3% |
| Participant deferral / active EE | $1,964 | $3,157-37.8% | $4,238-53.7% | $3,539-44.5% |
| Admin fee / account holder | $12 | $199-94.1% | $5,795-99.8% | $142-91.7% |