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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 P O BOX 600 · BUFFALO, NY 14201 | Recordkeeping | $210 |
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.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $39,199 | $37,463+4.6% | $77,100-49.2% | $66,949-41.4% |
| Participation rate | 52.1% | 52.9%-0.8pp | 67.9%-15.8pp | 69.8%-17.7pp |
| Annual return | -18.17% | -3.25%-14.9pp | 42.35%-60.5pp | 1.57%-19.7pp |
| Employer contribution / active EE | $2,697 | $1,535+75.7% | $2,815-4.2% | $2,545+6.0% |
| Participant deferral / active EE | $3,467 | $2,621+32.3% | $4,430-21.7% | $4,239-18.2% |
| Admin fee / account holder | $442 | $568-22.2% | $5,443-91.9% | $594-25.6% |