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| Provider | Service type | Compensation |
|---|---|---|
THE BANK OF NEW YORK MELLON5 years Filed as: BANK OF AMERICA NA Service code 27 · EIN 13-5674085 | Advisory (Plan) | $79,022 |
Service code 15 · EIN 13-3689044 | Recordkeeping | $60,757 |
ASCENSUS LLC3 years Filed as: FUTUREPLAN BY ASCENSUS Service code 15 · EIN 82-3719843 | Recordkeeping | $1,425 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $65,033 | $89,435-27.3% | $164,975-60.6% | $77,714-16.3% |
| Participation rate | 47.4% | 78.6%-31.2pp | 78.6%-31.2pp | 70.6%-23.2pp |
| Annual return | 16.89% | 28.82%-11.9pp | 70.12%-53.2pp | 31.26%-14.4pp |
| Employer contribution / active EE | $1,953 | $2,563-23.8% | $4,343-55.0% | $2,727-28.4% |
| Participant deferral / active EE | $3,949 | $4,901-19.4% | $6,033-34.5% | $4,649-15.1% |
| Admin fee / account holder | $617 | $340+81.5% | $12,688-95.1% | $433+42.3% |