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| Provider | Service type | Compensation |
|---|---|---|
DIRECT ADVISORS, LLC2 years Service code 26 · EIN 20-5173405 | Advisory (Participants) | $27,068 |
CHEMUNG CANAL TRUST COMPANY2 years Service code 15 · EIN 16-0380815 | Recordkeeping | $12,477 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $29,019 | $91,439-68.3% | $135,974-78.7% | $71,511-59.4% |
| Participation rate | 65.0% | 75.7%-10.7pp | 81.9%-16.9pp | 67.9%-2.9pp |
| Annual return | 17.78% | 29.90%-12.1pp | 68.30%-50.5pp | 28.86%-11.1pp |
| Employer contribution / active EE | $1,648 | $3,705-55.5% | $4,859-66.1% | $2,589-36.3% |
| Participant deferral / active EE | $4,431 | $7,093-37.5% | $7,760-42.9% | $4,291+3.3% |
| Admin fee / account holder | $260 | $1,267-79.5% | $10,767-97.6% | $1,588-83.6% |