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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 | $20,913 | $59,328-64.7% | $118,946-82.4% | $73,493-71.5% |
| Participation rate | 14.7% | 62.3%-47.6pp | 75.4%-60.7pp | 70.7%-56.0pp |
| Annual return | 13.19% | 19.13%-5.9pp | 35.89%-22.7pp | 28.51%-15.3pp |
| Employer contribution / active EE | $0 | $1,803-100.0% | $3,263-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $470 | $2,604-81.9% | $4,266-89.0% | $3,740-87.4% |
| Admin fee / account holder | $743 | $600+23.8% | $6,581-88.7% | $513+44.8% |