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| Provider | Service type | Compensation |
|---|---|---|
MONARCH PLAN ADVISORS4 years Service code 26 · EIN 46-3919960 | Advisory (Participants) | $1,807 |
Service code 15 · EIN 01-0233346 PO BOX 600 · BUFFALO, NY 142010600 | Recordkeeping | $370 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $44,779 | $59,267-24.4% | $96,575-53.6% | $79,393-43.6% |
| Participation rate | 11.8% | 61.9%-50.1pp | 69.8%-58.0pp | 70.7%-58.9pp |
| Annual return | 10.23% | 27.08%-16.8pp | 37.79%-27.6pp | 116.87%-106.6pp |
| Employer contribution / active EE | $0 | $1,216-100.0% | $2,357-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $270 | $2,947-90.8% | $3,849-93.0% | $4,046-93.3% |
| Admin fee / account holder | $633 | $659-3.9% | $6,182-89.8% | $627+1.0% |