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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $102 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $61,456 | $40,479+51.8% | $78,210-21.4% | $62,293-1.3% |
| Participation rate | 23.7% | 54.6%-30.9pp | 68.7%-45.0pp | 69.5%-45.8pp |
| Annual return | 23.02% | 66.31%-43.3pp | 40.90%-17.9pp | 28.90%-5.9pp |
| Employer contribution / active EE | $1,137 | $1,024+11.0% | $2,034-44.1% | $2,042-44.3% |
| Participant deferral / active EE | $2,251 | $1,718+31.0% | $2,823-20.3% | $3,169-29.0% |
| Admin fee / account holder | $343 | $376-8.7% | $3,758-90.9% | $479-28.4% |