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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 PO BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $18 |
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 | $36,235 | $60,545-40.2% | $92,240-60.7% | $69,631-48.0% |
| Participation rate | 4.5% | 72.2%-67.7pp | 76.5%-72.0pp | 70.7%-66.2pp |
| Annual return | 14.24% | 19.71%-5.5pp | 176.29%-162.1pp | 27571.02%-27556.8pp |
| Employer contribution / active EE | $0 | $2,633-100.0% | $3,680-100.0% | $2,032-100.0% |
| Participant deferral / active EE | $177 | $2,828-93.7% | $3,897-95.5% | $3,224-94.5% |
| Admin fee / account holder | $462 | $145+219.0% | $5,194-91.1% | $110+318.1% |