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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $37,324 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $36,991 | $46,173-19.9% | $170,435-78.3% | $69,631-46.9% |
| Participation rate | 24.0% | 63.9%-39.9pp | 83.6%-59.6pp | 70.7%-46.6pp |
| Annual return | 16.45% | 21.62%-5.2pp | 205.94%-189.5pp | 27571.02%-27554.6pp |
| Employer contribution / active EE | $232 | $1,610-85.6% | $5,432-95.7% | $2,032-88.6% |
| Participant deferral / active EE | $617 | $2,080-70.3% | $4,939-87.5% | $3,224-80.9% |
| Admin fee / account holder | $324 | $116+179.5% | $13,881-97.7% | $110+193.5% |