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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.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $18,803 | $54,045-65.2% | $115,170-83.7% | $65,185-71.2% |
| Participation rate | 12.7% | 63.5%-50.8pp | 75.9%-63.2pp | 70.2%-57.5pp |
| Annual return | 16.82% | 26.55%-9.7pp | 35.60%-18.8pp | 29.38%-12.6pp |
| Employer contribution / active EE | $0 | $1,653-100.0% | $3,179-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $430 | $2,504-82.8% | $4,169-89.7% | $3,514-87.8% |
| Admin fee / account holder | $758 | $626+21.1% | $7,089-89.3% | $847-10.6% |