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| Provider | Service type | Compensation |
|---|---|---|
PAYCHEX, INC.1 year Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $10,610 |
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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).
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 | $7,640 | $60,454-87.4% | $81,844-90.7% | $74,459-89.7% |
| Participation rate | 94.7% | 63.0%+31.8pp | 72.4%+22.4pp | 67.2%+27.5pp |
| Annual return | 7.79% | 16.87%-9.1pp | 778.87%-771.1pp | 1369.70%-1361.9pp |
| Employer contribution / active EE | $1,009 | $2,630-61.6% | $2,916-65.4% | $2,626-61.6% |
| Participant deferral / active EE | $2,069 | $3,398-39.1% | $4,323-52.1% | $4,350-52.4% |
| Admin fee / account holder | $124 | $1,490-91.7% | $7,355-98.3% | $1,945-93.6% |