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 | $19,822 |
AMERICAN FUNDS2 years Filed as: CAPITAL ASSET ADVISORY SVCS Service code 26 · EIN 38-3470125 | Advisory (Participants) | $16,683 |
Filed as: WILSHIRE ASSOCIATES INC (USA) Service code 26 · EIN 95-2755361 | Advisory (Participants) | $667 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $37,356 | $63,768-41.4% | $98,506-62.1% | $79,389-52.9% |
| Participation rate | 47.1% | 69.9%-22.7pp | 73.3%-26.2pp | 70.7%-23.6pp |
| Annual return | 13.12% | 626.18%-613.1pp | 1494.92%-1481.8pp | 116.89%-103.8pp |
| Employer contribution / active EE | $815 | $2,558-68.1% | $2,961-72.5% | $2,428-66.4% |
| Participant deferral / active EE | $1,518 | $3,305-54.1% | $4,277-64.5% | $4,046-62.5% |
| Admin fee / account holder | $380 | $516-26.3% | $5,955-93.6% | $626-39.3% |