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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 PO BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $493 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $70,614 | $104,479-32.4% | $159,474-55.7% | $79,391-11.1% |
| Participation rate | 63.5% | 76.6%-13.1pp | 82.8%-19.3pp | 70.7%-7.2pp |
| Annual return | 146.75% | 67.98%+78.8pp | 263.68%-116.9pp | 116.88%+29.9pp |
| Employer contribution / active EE | $2,960 | $3,417-13.4% | $4,831-38.7% | $2,428+21.9% |
| Participant deferral / active EE | $6,661 | $6,468+3.0% | $7,353-9.4% | $4,046+64.6% |
| Admin fee / account holder | $409 | $711-42.5% | $10,802-96.2% | $627-34.7% |