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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $132 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $59,433 | $52,678+12.8% | $75,784-21.6% | $59,633-0.3% |
| Participation rate | 65.6% | 67.2%-1.6pp | 75.8%-10.2pp | 68.7%-3.0pp |
| Annual return | -5.73% | 2.95%-8.7pp | 9.68%-15.4pp | 2041.45%-2047.2pp |
| Employer contribution / active EE | $1,515 | $2,193-30.9% | $3,323-54.4% | $2,203-31.2% |
| Participant deferral / active EE | $5,887 | $2,591+127.3% | $3,652+61.2% | $3,192+84.5% |
| Admin fee / account holder | $379 | $3,610-89.5% | $5,300-92.8% | $4,297-91.2% |