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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $51,777 |
Filed as: NEW YORK LIFE SECURITIES Service code 49 · EIN 27-0145686 | Other Services | $6,986 |
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.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $72,358 | $59,448+21.7% | $93,696-22.8% | $74,459-2.8% |
| Participation rate | 50.9% | 59.6%-8.7pp | 68.7%-17.8pp | 67.2%-16.3pp |
| Annual return | 13.24% | 82.11%-68.9pp | 133.74%-120.5pp | 1369.70%-1356.5pp |
| Employer contribution / active EE | $845 | $1,266-33.3% | $2,422-65.1% | $2,626-67.8% |
| Participant deferral / active EE | $2,720 | $3,052-10.9% | $4,417-38.4% | $4,350-37.5% |
| Admin fee / account holder | $431 | $3,027-85.7% | $8,287-94.8% | $1,945-77.8% |