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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $380 |
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.)
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 | $30,629 | $39,195-21.9% | $98,775-69.0% | $79,391-61.4% |
| Participation rate | 46.1% | 59.8%-13.7pp | 65.7%-19.6pp | 70.7%-24.6pp |
| Annual return | 12.53% | 19.95%-7.4pp | 49.92%-37.4pp | 116.88%-104.4pp |
| Employer contribution / active EE | $309 | $1,334-76.9% | $2,067-85.1% | $2,428-87.3% |
| Participant deferral / active EE | $1,338 | $2,333-42.7% | $3,035-55.9% | $4,046-66.9% |
| Admin fee / account holder | $574 | $365+57.2% | $4,076-85.9% | $627-8.4% |