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| Provider | Service type | Compensation |
|---|---|---|
INVESTMENT ANALYTICS4+ years Service code 17 1350 ONE M AND T PLAZA · BUFFALO, NY 14203 | Pension Consulting | $9,502 |
EPIC RETIREMENT PLAN SERVICES4+ years Filed as: P&A RETIREMENT PLAN SERVICES, INC Service code 13 · EIN 16-1533601 | Contract Administrator | $9,380 |
COURIER CAPITAL3 years Filed as: COURIER CAPITAL ADVISORS Service code 17 1114 DELAWARE AVE · BUFFALO, NY 14209 | Pension Consulting | $8,701 |
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 | $30,325 | $49,177-38.3% | $79,467-61.8% | $64,173-52.7% |
| Participation rate | 59.6% | 65.0%-5.5pp | 73.3%-13.8pp | 69.6%-10.0pp |
| Annual return | -3.04% | -1.16%-1.9pp | 718.30%-721.3pp | 7.63%-10.7pp |
| Employer contribution / active EE | $375 | $2,076-82.0% | $2,800-86.6% | $2,381-84.3% |
| Participant deferral / active EE | $1,201 | $2,821-57.4% | $3,704-67.6% | $3,470-65.4% |
| Admin fee / account holder | $368 | $3,839-90.4% | $5,104-92.8% | $4,887-92.5% |