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| Provider | Service type | Compensation |
|---|---|---|
Filed as: AETERNUM INVESTMENT ADVISORS, LLC Service code 15 476 TAYLOR DRIVE · OCEANSIDE, CA 92056 | Recordkeeping | $41,174 |
PAYCHEX, INC.8+ years Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $13,342 |
Employer 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.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $37,575 | $72,620-48.3% | $90,756-58.6% | $66,930-43.9% |
| Participation rate | 82.8% | 73.7%+9.1pp | 75.7%+7.1pp | 69.8%+13.0pp |
| Annual return | -13.75% | -12.28%-1.5pp | -12.16%-1.6pp | 1.57%-15.3pp |
| Employer contribution / active EE | $482 | $2,369-79.6% | $2,922-83.5% | $2,545-81.0% |
| Participant deferral / active EE | $1,819 | $3,979-54.3% | $4,565-60.2% | $4,238-57.1% |
| Admin fee / account holder | $358 | $707-49.4% | $8,445-95.8% | $593-39.7% |