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| Provider | Service type | Compensation |
|---|---|---|
Filed as: RAYMOND JAMES & ASSOCIATES INC Service code 27 · EIN 59-1237041 | Advisory (Plan) | $16,215 |
Service code 60 · EIN 04-2647786 | Sub-TA Fees | $6,558 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $60,377 | $91,559-34.1% | $133,978-54.9% | $79,856-24.4% |
| Participation rate | 59.6% | 73.3%-13.8pp | 79.8%-20.3pp | 69.6%-10.1pp |
| Annual return | 17.71% | 61.85%-44.1pp | 45.10%-27.4pp | 31.71%-14.0pp |
| Employer contribution / active EE | $0 | $2,384-100.0% | $3,919-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $2,272 | $3,734-39.1% | $5,047-55.0% | $3,741-39.3% |
| Admin fee / account holder | $380 | $6,321-94.0% | $8,930-95.7% | $5,306-92.8% |