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| Provider | Service type | Compensation |
|---|---|---|
Filed as: RAYMOND JAMES FSA 338 FEE Service code 26 · EIN 59-2937883 | Advisory (Participants) | $12,325 |
RJA 338 FEE2 years Service code 26 · EIN 59-1237041 | Advisory (Participants) | $7,103 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $602 |
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.)
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 | $68,833 | $59,819+15.1% | $79,583-13.5% | $68,490+0.5% |
| Participation rate | 62.5% | 61.1%+1.4pp | 69.5%-7.0pp | 67.9%-5.4pp |
| Annual return | -16.79% | -12.30%-4.5pp | 0.16%-17.0pp | -7.85%-8.9pp |
| Employer contribution / active EE | $1,478 | $1,505-1.8% | $2,414-38.8% | $2,597-43.1% |
| Participant deferral / active EE | $4,749 | $3,025+57.0% | $3,986+19.2% | $4,028+17.9% |
| Admin fee / account holder | $464 | $4,835-90.4% | $6,835-93.2% | $5,403-91.4% |