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| Provider | Service type | Compensation |
|---|---|---|
MONARCH PLAN ADVISORS3 years Service code 26 · EIN 46-3919960 | Advisory (Participants) | $1,404 |
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 | $39,432 | $54,573-27.7% | $90,970-56.7% | $73,497-46.3% |
| Participation rate | 9.2% | 61.2%-52.0pp | 69.0%-59.9pp | 70.7%-61.5pp |
| Annual return | 12.27% | 16.69%-4.4pp | 134.60%-122.3pp | 28.51%-16.2pp |
| Employer contribution / active EE | $0 | $991-100.0% | $2,122-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $208 | $2,517-91.7% | $3,373-93.8% | $3,740-94.4% |
| Admin fee / account holder | $539 | $521+3.3% | $5,961-91.0% | $513+5.0% |