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| Provider | Service type | Compensation |
|---|---|---|
Filed as: RAYMOND JAMES AND ASSOCIATES, INC. Service code 27 · EIN 59-1237041 | Advisory (Plan) | $20,000 |
Service code 37 · EIN 04-2647786 | Loan Processing | -$2,758 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $147,767 | $76,112+94.1% | $96,534+53.1% | $71,511+106.6% |
| Participation rate | 65.3% | 74.4%-9.1pp | 76.0%-10.7pp | 67.9%-2.6pp |
| Annual return | 17.14% | 22.81%-5.7pp | 25.88%-8.7pp | 28.86%-11.7pp |
| Employer contribution / active EE | $1,936 | $2,248-13.9% | $2,965-34.7% | $2,589-25.2% |
| Participant deferral / active EE | $8,207 | $4,217+94.6% | $4,851+69.2% | $4,291+91.3% |
| Admin fee / account holder | $192 | $2,708-92.9% | $8,253-97.7% | $1,588-87.9% |