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| Provider | Service type | Compensation |
|---|---|---|
Filed as: RAYMOND JAMES FSA Service code 26 · EIN 59-2937883 | Advisory (Participants) | $8,835 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $467 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $44,035 | $65,083-32.3% | $143,788-69.4% | $66,930-34.2% |
| Participation rate | 22.7% | 65.2%-42.5pp | 80.3%-57.6pp | 69.8%-47.1pp |
| Annual return | -15.32% | -11.13%-4.2pp | -0.03%-15.3pp | 1.57%-16.9pp |
| Employer contribution / active EE | $0 | $2,361-100.0% | $4,952-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $1,138 | $2,920-61.0% | $5,638-79.8% | $4,238-73.1% |
| Admin fee / account holder | $453 | $502-9.9% | $14,675-96.9% | $593-23.7% |