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| Provider | Service type | Compensation |
|---|---|---|
PAYCHEX, INC.6 years Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $16,672 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $36,206 | $106,247-65.9% | $147,096-75.4% | $77,714-53.4% |
| Participation rate | 57.2% | 78.4%-21.2pp | 82.2%-25.0pp | 70.6%-13.4pp |
| Annual return | 15.45% | 56.87%-41.4pp | 419.75%-404.3pp | 31.26%-15.8pp |
| Employer contribution / active EE | $1,841 | $4,069-54.8% | $4,936-62.7% | $2,727-32.5% |
| Participant deferral / active EE | $5,530 | $7,996-30.8% | $8,071-31.5% | $4,649+18.9% |
| Admin fee / account holder | $78 | $338-76.9% | $13,005-99.4% | $433-82.0% |