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| Provider | Service type | Compensation |
|---|---|---|
JAMES P REAGAN AGENCY10+ years Filed as: JAMES P. REAGAN AGENCY, INC. Service code 27 · EIN 16-1150253 P.O. BOX 191 · MARCELLUS, NY 13108 | Advisory (Plan) | $83,085 |
BENEFIT PLANS ADMIN SERVICES, INC.10+ years Service code 15 · EIN 16-1503696 6 RHOADS DRIVE · UTICA, NY 13502 | Recordkeeping | $17,267 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $86,265 | $89,465-3.6% | $165,100-47.7% | $77,762+10.9% |
| Participation rate | 82.8% | 78.6%+4.2pp | 78.6%+4.2pp | 70.6%+12.3pp |
| Annual return | 18.61% | 28.86%-10.3pp | 70.21%-51.6pp | 31.27%-12.7pp |
| Employer contribution / active EE | $564 | $2,565-78.0% | $4,348-87.0% | $2,728-79.3% |
| Participant deferral / active EE | $4,839 | $4,904-1.3% | $6,035-19.8% | $4,651+4.1% |
| Admin fee / account holder | $333 | $340-1.9% | $12,696-97.4% | $433-23.0% |