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| Provider | Service type | Compensation |
|---|---|---|
PAYCHEX, INC.2 years Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $21,209 |
MORGAN STANLEY SMITH BARNEY2 years Filed as: MORGAN STANLEY GLOBAL BANKING OPERA Service code 26 ATTN MIDDLE OFFICE BALTIMORE · BALTIMORE, MD 21231 | Advisory (Participants) | $13,990 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $12,379 | $42,423-70.8% | $152,093-91.9% | $100,573-87.7% |
| Participation rate | 21.9% | 55.9%-34.0pp | 77.8%-55.9pp | 70.9%-49.1pp |
| Annual return | 24.59% | 41.32%-16.7pp | 66.36%-41.8pp | 18.89%+5.7pp |
| Employer contribution / active EE | $551 | $1,482-62.8% | $4,175-86.8% | $3,763-85.4% |
| Participant deferral / active EE | $798 | $2,158-63.0% | $5,451-85.4% | $4,921-83.8% |
| Admin fee / account holder | $92 | $429-78.7% | $14,497-99.4% | $454-79.8% |