Filed June 4, 2025
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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 PO BOX 600 · BUFFALO, NY 14201 | Recordkeeping | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $22,351 | $39,859-43.9% | $78,676-71.6% | $57,658-61.2% |
| Participation rate | 24.4% | 66.1%-41.7pp | 73.6%-49.2pp | 70.2%-45.8pp |
| Annual return | 5.35% | 18.96%-13.6pp | 62.19%-56.8pp | 5.13%+0.2pp |
| Employer contribution / active EE | $295 | $1,786-83.5% | $2,850-89.7% | $1,974-85.1% |
| Participant deferral / active EE | $510 | $2,248-77.3% | $3,517-85.5% | $3,061-83.3% |
| Admin fee / account holder | $247 | $76+224.4% | $4,510-94.5% | $95+161.4% |