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| Provider | Service type | Compensation |
|---|---|---|
PAYCHEX, INC.4 years Service code 13 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Contract Administrator | $20,598 |
MMA SECURITIES LLC1 year Service code 26 P.O. BOX 9497 · NEW YORK, NY 10087 | Advisory (Participants) | $17,928 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.)
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 | $107,083 | $102,422+4.6% | $147,117-27.2% | $80,959+32.3% |
| Participation rate | 66.7% | 75.9%-9.2pp | 82.2%-15.5pp | 67.7%-1.0pp |
| Annual return | 17.14% | 135.16%-118.0pp | 420.54%-403.4pp | 35.67%-18.5pp |
| Employer contribution / active EE | $0 | $3,717-100.0% | $4,932-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $20,287 | $6,652+205.0% | $8,065+151.6% | $4,300+371.8% |
| Admin fee / account holder | $499 | $7,953-93.7% | $12,993-96.2% | $6,925-92.8% |