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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 14201 | Recordkeeping | $660 |
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.)
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 | $40,367 | $65,092-38.0% | $143,799-71.9% | $66,938-39.7% |
| Participation rate | 49.4% | 65.2%-15.8pp | 80.3%-30.9pp | 69.8%-20.4pp |
| Annual return | -13.13% | -11.14%-2.0pp | -0.04%-13.1pp | 1.58%-14.7pp |
| Employer contribution / active EE | $578 | $2,362-75.5% | $4,952-88.3% | $2,545-77.3% |
| Participant deferral / active EE | $1,585 | $2,920-45.7% | $5,638-71.9% | $4,238-62.6% |
| Admin fee / account holder | $484 | $502-3.7% | $14,677-96.7% | $594-18.5% |