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| Provider | Service type | Compensation |
|---|---|---|
THE VANGUARD GROUP, INC.4 years Service code 15 · EIN 23-1945930 | Recordkeeping | $35,578 |
Filed as: RAYMOND JAMES FINANCIAL. Service code 27 800 CARILLON PARKWAY · ST. PETERSBURG, FL 33716 | Advisory (Plan) | $13,797 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $16,582 | $51,096-67.5% | $100,712-83.5% | $71,012-76.6% |
| Participation rate | 55.8% | 47.0%+8.8pp | 69.3%-13.5pp | 58.6%-2.8pp |
| Annual return | 13.78% | 16.42%-2.6pp | 33.27%-19.5pp | 37.67%-23.9pp |
| Employer contribution / active EE | $1,063 | $1,127-5.6% | $2,313-54.0% | $2,348-54.7% |
| Participant deferral / active EE | $1,505 | $1,937-22.3% | $4,085-63.2% | $3,246-53.6% |
| Admin fee / account holder | $148 | $2,179-93.2% | $9,256-98.4% | $1,167-87.3% |