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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $18,552 | $65,557-71.7% | $105,738-82.5% | $56,287-67.0% |
| Participation rate | 12.0% | 63.4%-51.4pp | 76.3%-64.4pp | 69.9%-57.9pp |
| Annual return | -10.93% | -1.32%-9.6pp | 6.27%-17.2pp | -9.96%-1.0pp |
| Employer contribution / active EE | $0 | $1,788-100.0% | $3,268-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $282 | $2,418-88.3% | $4,080-93.1% | $3,350-91.6% |
| Admin fee / account holder | $827 | $561+47.2% | $6,913-88.0% | $521+58.7% |