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| Provider | Service type | Compensation |
|---|---|---|
HERITAGE PENSION ADVISORS, LLC2+ years Filed as: HERITAGE PENSION ADVISORS LLC Service code 15 · EIN 27-1835823 | Recordkeeping | $21,605 |
CARON & BLETZER, PLLC1 year Filed as: CARON & BLETZER PLLC Service code 10 · EIN 04-3499945 | Accounting | $9,550 |
CHARLES SCHWAB & CO., INC.2+ years Filed as: CHARLES SCHWAB BANK Service code 21 | Bank Trustee | $4,520 |
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $18,750 | $46,761-59.9% | $106,619-82.4% | $57,658-67.5% |
| Participation rate | 84.0% | 56.9%+27.1pp | 78.0%+6.0pp | 70.2%+13.8pp |
| Annual return | 9.78% | 15.77%-6.0pp | 9.42%+0.4pp | 5.13%+4.6pp |
| Employer contribution / active EE | $0 | $1,274-100.0% | $3,947-100.0% | $1,974-100.0% |
| Participant deferral / active EE | $1,492 | $1,954-23.6% | $3,930-62.0% | $3,061-51.2% |
| Admin fee / account holder | $92 | $97-4.7% | $6,418-98.6% | $95-2.5% |