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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $2,638 |
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 | $47,801 | $101,591-52.9% | $147,096-67.5% | $74,429-35.8% |
| Participation rate | 91.5% | 75.5%+16.0pp | 82.2%+9.4pp | 67.2%+24.3pp |
| Annual return | 23.63% | 8746.45%-8722.8pp | 419.75%-396.1pp | 1368.38%-1344.8pp |
| Employer contribution / active EE | $3,342 | $3,813-12.4% | $4,936-32.3% | $2,625+27.3% |
| Participant deferral / active EE | $7,926 | $7,302+8.5% | $8,071-1.8% | $4,348+82.3% |
| Admin fee / account holder | $408 | $1,750-76.7% | $13,005-96.9% | $1,944-79.0% |