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| Provider | Service type | Compensation |
|---|---|---|
Filed as: RAYMOND JAMES FSA INC Service code 26 · EIN 59-2937883 880 CARILLON PARKWAY · ST PETERSBURG, FL 33716 | Advisory (Participants) | $37,052 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $82,569 | $79,223+4.2% | $102,460-19.4% | $74,478+10.9% |
| Participation rate | 63.3% | 74.8%-11.4pp | 76.5%-13.2pp | 67.2%-3.9pp |
| Annual return | 17.53% | 54.98%-37.4pp | 29.47%-11.9pp | 1370.56%-1353.0pp |
| Employer contribution / active EE | $0 | $2,363-100.0% | $3,025-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $4,840 | $4,417+9.6% | $5,056-4.3% | $4,350+11.3% |
| Admin fee / account holder | $899 | $2,003-55.1% | $9,460-90.5% | $1,946-53.8% |