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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $373 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $42,826 | $77,677-44.9% | $109,173-60.8% | $79,391-46.1% |
| Participation rate | 60.1% | 67.8%-7.7pp | 75.9%-15.7pp | 70.7%-10.6pp |
| Annual return | 12.46% | 23.44%-11.0pp | 25.75%-13.3pp | 116.88%-104.4pp |
| Employer contribution / active EE | $489 | $2,798-82.5% | $3,723-86.9% | $2,428-79.8% |
| Participant deferral / active EE | $2,508 | $3,517-28.7% | $4,654-46.1% | $4,046-38.0% |
| Admin fee / account holder | $317 | $732-56.7% | $6,755-95.3% | $627-49.4% |