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| Provider | Service type | Compensation |
|---|---|---|
MONARCH PLAN ADVISORS1 year Service code 26 · EIN 46-3919960 | Advisory (Participants) | $1,330 |
Service code 15 · EIN 01-0233346 PO BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $320 |
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.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $28,262 | $42,548-33.6% | $74,551-62.1% | $56,289-49.8% |
| Participation rate | 14.3% | 60.5%-46.2pp | 69.1%-54.9pp | 69.9%-55.6pp |
| Annual return | -5.97% | 12.40%-18.4pp | 32.53%-38.5pp | -9.96%+4.0pp |
| Employer contribution / active EE | $0 | $855-100.0% | $1,961-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $215 | $2,277-90.6% | $3,108-93.1% | $3,350-93.6% |
| Admin fee / account holder | $416 | $467-11.0% | $5,059-91.8% | $521-20.2% |