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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 PO BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $24 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $36,554 | $57,921-36.9% | $84,753-56.9% | $57,658-36.6% |
| Participation rate | 4.4% | 72.9%-68.5pp | 76.6%-72.2pp | 70.2%-65.8pp |
| Annual return | 7.38% | 10.24%-2.9pp | 22.78%-15.4pp | 5.13%+2.2pp |
| Employer contribution / active EE | $0 | $2,598-100.0% | $3,574-100.0% | $1,974-100.0% |
| Participant deferral / active EE | $181 | $2,742-93.4% | $3,712-95.1% | $3,061-94.1% |
| Admin fee / account holder | $403 | $130+210.4% | $5,333-92.5% | $95+325.8% |