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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 | $65,084-44.1% | $67,681-46.3% | $64,340-43.5% |
| Participation rate | 96.1% | 66.7%+29.3pp | 73.7%+22.3pp | 55.2%+40.8pp |
| Annual return | 9.50% | 20.50%-11.0pp | 590.58%-581.1pp | 24.14%-14.6pp |
| Employer contribution / active EE | $4,724 | $2,398+97.0% | $2,678+76.4% | $1,862+153.8% |
| Participant deferral / active EE | $0 | $3,210-100.0% | $3,976-100.0% | $2,980-100.0% |
| Admin fee / account holder | $446 | $1,415-68.5% | $6,100-92.7% | $3,703-88.0% |