Filed December 24, 2004
This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.
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| Provider | Service type | Compensation |
|---|---|---|
BPAS2+ years Service code 14 · EIN 16-1065416 6 RHOADS DRIVE · UTICA, NY 13502 | Plan Administrator | $91,856 |
CAMBRIDGE INVESTMENT RESEARCH2+ years Service code 27 · EIN 42-1445429 1776 PLEASANT PLAIN RD · FAIRFIELD, IA 525568757 | Advisory (Plan) | $20,082 |
D'ARCANGELO & CO., LLP2+ years Service code 10 · EIN 13-2550103 510 HAIGHT AVENUE · POUGHKEEPSIE, NY 12603 | Accounting | $14,500 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $49,249 | $80,177-38.6% | $123,894-60.2% | $57,658-14.6% |
| Participation rate | 52.7% | 74.4%-21.7pp | 81.4%-28.7pp | 70.2%-17.5pp |
| Annual return | -2.77% | 17.90%-20.7pp | 47.52%-50.3pp | 5.13%-7.9pp |
| Employer contribution / active EE | $775 | $2,913-73.4% | $4,617-83.2% | $1,974-60.7% |
| Participant deferral / active EE | $2,101 | $5,130-59.0% | $5,984-64.9% | $3,061-31.4% |
| Admin fee / account holder | $306 | $106+188.0% | $8,357-96.3% | $95+223.8% |