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| Provider | Service type | Compensation |
|---|---|---|
RAYMOND JAMES FINANCIAL SERVICES1+ years Filed as: RAYMOND JAMES FINANCIAL SVCS ADVSRS Service code 27 · EIN 59-2937883 | Advisory (Plan) | $38,888 |
Service code 37 · EIN 04-2647786 | Loan Processing | $531 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $173,966 | $47,969+262.7% | $85,969+102.4% | $52,331+232.4% |
| Participation rate | 66.1% | 61.7%+4.3pp | 76.5%-10.5pp | 68.1%-2.0pp |
| Annual return | -3.03% | -0.13%-2.9pp | 9.32%-12.3pp | 4.54%-7.6pp |
| Employer contribution / active EE | $1,274 | $1,460-12.8% | $3,474-63.3% | $1,882-32.3% |
| Participant deferral / active EE | $4,892 | $2,110+131.8% | $3,829+27.8% | $3,022+61.9% |
| Admin fee / account holder | $453 | $530-14.5% | $6,053-92.5% | $592-23.4% |