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| Provider | Service type | Compensation |
|---|---|---|
BPAS9 years Filed as: BPAS, INC. Service code 15 6 RHOADS DRIVE · UTICA, NY 13502 | Recordkeeping | $54,268 |
GRANITE FINANCIAL PARTNERS9 years Service code 26 · EIN 20-3917294 388 NASHUA ST. · MILFORD, NH 03055 | Advisory (Participants) | $53,053 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $47,123 | $29,569+59.4% | $56,077-16.0% | $77,714-39.4% |
| Participation rate | 31.8% | 32.6%-0.9pp | 52.5%-20.7pp | 70.6%-38.8pp |
| Annual return | -5.76% | 18.90%-24.7pp | 1709.28%-1715.0pp | 31.26%-37.0pp |
| Employer contribution / active EE | $334 | $569-41.2% | $1,040-67.9% | $2,727-87.7% |
| Participant deferral / active EE | $1,661 | $1,061+56.6% | $1,954-15.0% | $4,649-64.3% |
| Admin fee / account holder | $430 | $1,042-58.8% | $2,825-84.8% | $433-0.9% |