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| Provider | Service type | Compensation |
|---|---|---|
RAYMOND JAMES FINANCIAL SERVICES1+ years Service code 26 · EIN 59-1531281 | Advisory (Participants) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $40,760 | $54,320-25.0% | $67,652-39.8% | $52,331-22.1% |
| Participation rate | 40.4% | 73.6%-33.2pp | 75.7%-35.3pp | 68.1%-27.7pp |
| Annual return | 2.92% | 6.81%-3.9pp | 6625.40%-6622.5pp | 4.54%-1.6pp |
| Employer contribution / active EE | $0 | $1,544-100.0% | $2,266-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $1,710 | $2,950-42.0% | $3,560-52.0% | $3,022-43.4% |
| Admin fee / account holder | $0 | $527-100.0% | $4,821-100.0% | $592-100.0% |