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| Provider | Service type | Compensation |
|---|---|---|
PAYCHEX, INC.2 years Service code 13 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Contract Administrator | $15,240 |
THE WATERFORD GROUP LLC2 years Filed as: THE WATERFORD GROUP Service code 13 1657 EAST AVE. · ROCHESTER, NY 14610 | Contract Administrator | $9,762 |
401K GENERATION2 years Service code 13 · EIN 26-4477125 195 INTERNATIONAL PARKWAY · LAKE MARY, FL 32746 | Contract Administrator | $7,696 |
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $16,796 | $76,696-78.1% | $96,515-82.6% | $71,511-76.5% |
| Participation rate | 56.7% | 66.6%-9.9pp | 74.3%-17.7pp | 67.9%-11.3pp |
| Annual return | 29.34% | 48.32%-19.0pp | 35.73%-6.4pp | 28.86%+0.5pp |
| Employer contribution / active EE | $945 | $3,032-68.8% | $3,740-74.7% | $2,589-63.5% |
| Participant deferral / active EE | $2,160 | $3,770-42.7% | $4,880-55.7% | $4,291-49.7% |
| Admin fee / account holder | $200 | $2,030-90.1% | $6,735-97.0% | $1,588-87.4% |