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| Provider | Service type | Compensation |
|---|---|---|
Filed as: RAYMOND JAMES FINANCIAL SERV CORP Service code 12 · EIN 59-2937883 880 CARILLON PARKWAY · ST. PETERSBURG, FL 33742 | Participant communication; Consulting... | $18,066 |
STANDARD INSURANCE COMPANY2 years Service code 12 · EIN 93-0242990 1100 SW 6TH AVE · PORTLAND, OR 97204 | Contract Administrator; Custodial (ot... | $175 |
FLYNN, SHOJINAGA & ASSOCIATES, INC.10+ years Service code 15 · EIN 68-0005849 1320 HARBOR BAY PARKWAY, SUITE 255 · ALAMEDA, CA 94502 | Recordkeeping | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $50,714 | $45,312+11.9% | $86,233-41.2% | $67,986-25.4% |
| Participation rate | 58.2% | 42.4%+15.8pp | 69.0%-10.8pp | 57.2%+1.0pp |
| Annual return | 10.31% | 24.79%-14.5pp | 61.39%-51.1pp | 31.67%-21.4pp |
| Employer contribution / active EE | $1,112 | $1,160-4.1% | $2,504-55.6% | $2,019-44.9% |
| Participant deferral / active EE | $1,795 | $2,185-17.8% | $4,559-60.6% | $3,358-46.6% |
| Admin fee / account holder | $167 | $3,295-94.9% | $8,342-98.0% | $3,203-94.8% |