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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 PO BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $904 |
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.)
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 | $38,585 | $70,917-45.6% | $98,916-61.0% | $73,493-47.5% |
| Participation rate | 26.4% | 73.8%-47.4pp | 76.0%-49.6pp | 70.7%-44.3pp |
| Annual return | 15.43% | 34.18%-18.7pp | 196.45%-181.0pp | 28.51%-13.1pp |
| Employer contribution / active EE | $0 | $2,037-100.0% | $2,689-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $731 | $3,501-79.1% | $4,245-82.8% | $3,740-80.4% |
| Admin fee / account holder | $401 | $535-25.1% | $6,642-94.0% | $513-21.9% |