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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) | $13,111 |
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 | $69,786 | $76,112-8.3% | $96,544-27.7% | $71,529-2.4% |
| Participation rate | 65.7% | 74.4%-8.7pp | 76.0%-10.3pp | 67.9%-2.2pp |
| Annual return | 22.24% | 22.80%-0.6pp | 25.88%-3.6pp | 28.97%-6.7pp |
| Employer contribution / active EE | $0 | $2,248-100.0% | $2,966-100.0% | $2,590-100.0% |
| Participant deferral / active EE | $4,687 | $4,217+11.2% | $4,851-3.4% | $4,291+9.2% |
| Admin fee / account holder | $445 | $2,708-83.6% | $8,254-94.6% | $1,588-72.0% |