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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MERRILL LYNCH Service code 51 108 NORTH FRONT STREET · KINGSTON, NY 12401 | Investment Mgmt Fees | $36,796 |
HELLER PENSION ASSOC., INC.10+ years Service code 49 1363 ROUTE 9G · HYDE PARK, NY 12538 | Other Services | $14,710 |
CARON & BLETZER, PLLC10+ years Service code 10 51 CHURCH STREET · KINGSTON, OH 03848 | Accounting | $14,183 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $36,369 | $64,705-43.8% | $62,929-42.2% | $67,986-46.5% |
| Participation rate | 96.1% | 65.6%+30.5pp | 73.1%+23.0pp | 57.2%+38.9pp |
| Annual return | 9.50% | 20.31%-10.8pp | 1063.93%-1054.4pp | 31.67%-22.2pp |
| Employer contribution / active EE | $4,724 | $2,376+98.9% | $2,505+88.6% | $2,019+134.0% |
| Participant deferral / active EE | $0 | $3,198-100.0% | $3,888-100.0% | $3,358-100.0% |
| Admin fee / account holder | $446 | $1,428-68.8% | $5,065-91.2% | $3,203-86.1% |