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| Provider | Service type | Compensation |
|---|---|---|
PAYCHEX, INC.1+ years Service code 15 · EIN 16-1124166 | Recordkeeping | $377 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant 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.
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 | $19,801 | $48,313-59.0% | $73,309-73.0% | $52,331-62.2% |
| Participation rate | 18.8% | 68.6%-49.8pp | 74.9%-56.1pp | 68.1%-49.3pp |
| Annual return | 0.07% | 3.85%-3.8pp | 5.67%-5.6pp | 4.54%-4.5pp |
| Employer contribution / active EE | $298 | $1,661-82.0% | $3,237-90.8% | $1,882-84.2% |
| Participant deferral / active EE | $636 | $4,189-84.8% | $4,991-87.3% | $3,022-79.0% |
| Admin fee / account holder | $7 | $404-98.2% | $5,635-99.9% | $592-98.8% |