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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 | $56,047-70.4% | $98,716-83.2% | $79,634-79.2% |
| Participation rate | 55.8% | 54.6%+1.2pp | 69.3%-13.5pp | 62.5%-6.7pp |
| Annual return | 13.78% | 17.58%-3.8pp | 31.81%-18.0pp | 36.46%-22.7pp |
| Employer contribution / active EE | $1,063 | $1,237-14.0% | $2,279-53.3% | $2,529-58.0% |
| Participant deferral / active EE | $1,505 | $2,469-39.0% | $4,048-62.8% | $3,835-60.8% |
| Admin fee / account holder | $148 | $1,512-90.2% | $8,703-98.3% | $1,002-85.2% |