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| Provider | Service type | Compensation |
|---|---|---|
COURIER CAPITAL2 years Filed as: COURIER CAPITAL ADVISORS Service code 17 1114 DELAWARE AVE · BUFFALO, NY 14209 | Pension Consulting | $8,305 |
EPIC RETIREMENT PLAN SERVICES3+ years Filed as: P&A RETIREMENT PLAN SERVICES, INC Service code 13 · EIN 16-1533601 | Contract Administrator | $7,713 |
INVESTMENT ANALYTICS3+ years Service code 17 1350 ONE M AND T PLAZA · BUFFALO, NY 14203 | Pension Consulting | $7,520 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $33,777 | $53,128-36.4% | $86,582-61.0% | $70,126-51.8% |
| Participation rate | 64.3% | 65.3%-1.0pp | 73.5%-9.3pp | 69.5%-5.3pp |
| Annual return | 21.89% | 27.66%-5.8pp | 965.08%-943.2pp | 73.15%-51.3pp |
| Employer contribution / active EE | $403 | $2,068-80.5% | $2,839-85.8% | $2,343-82.8% |
| Participant deferral / active EE | $1,417 | $2,695-47.4% | $3,609-60.7% | $3,332-57.5% |
| Admin fee / account holder | $332 | $3,584-90.7% | $4,904-93.2% | $4,645-92.9% |