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| Provider | Service type | Compensation |
|---|---|---|
Filed as: RAYMOND JAMES FINANCIAL. Service code 27 800 CARILLON PARKWAY · ST. PETERSBURG, FL 33716 | Advisory (Plan) | $20,995 |
ASCENSUS LLC5 years Service code 15 · EIN 11-3665754 | Recordkeeping | $9,838 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $59,171 | $65,125-9.1% | $143,797-58.9% | $66,949-11.6% |
| Participation rate | 36.5% | 65.2%-28.7pp | 80.3%-43.8pp | 69.8%-33.3pp |
| Annual return | -13.32% | -11.13%-2.2pp | -0.04%-13.3pp | 1.57%-14.9pp |
| Employer contribution / active EE | $272 | $2,362-88.5% | $4,952-94.5% | $2,545-89.3% |
| Participant deferral / active EE | $1,396 | $2,920-52.2% | $5,638-75.2% | $4,239-67.1% |
| Admin fee / account holder | $422 | $503-16.0% | $14,679-97.1% | $594-28.8% |