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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 PO BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $534 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $30,532 | $65,083-53.1% | $143,788-78.8% | $66,930-54.4% |
| Participation rate | 66.2% | 65.2%+1.0pp | 80.3%-14.1pp | 69.8%-3.6pp |
| Annual return | -1.95% | -11.13%+9.2pp | -0.03%-1.9pp | 1.57%-3.5pp |
| Employer contribution / active EE | $3,020 | $2,361+27.9% | $4,952-39.0% | $2,545+18.7% |
| Participant deferral / active EE | $6,963 | $2,920+138.5% | $5,638+23.5% | $4,238+64.3% |
| Admin fee / account holder | $227 | $502-54.9% | $14,675-98.5% | $593-61.8% |