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| Provider | Service type | Compensation |
|---|---|---|
Filed as: RAYMOND JAMES AND ASSOCIATES INC. Service code 26 · EIN 59-1237041 | Advisory (Participants) | $8,569 |
NOVA 401(K) ASSOCIATES2 years Service code 49 | Other Services | $2,979 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $7,328 | $36,806-80.1% | $69,623-89.5% | $77,736-90.6% |
| Participation rate | 87.6% | 64.4%+23.2pp | 66.4%+21.1pp | 70.6%+17.0pp |
| Annual return | 10.38% | 38.81%-28.4pp | 101.23%-90.9pp | 31.26%-20.9pp |
| Employer contribution / active EE | $0 | $1,257-100.0% | $1,709-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $2,503 | $2,738-8.6% | $2,890-13.4% | $4,651-46.2% |
| Admin fee / account holder | $384 | $507-24.3% | $4,696-91.8% | $433-11.5% |