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| Provider | Service type | Compensation |
|---|---|---|
EPIC RETIREMENT PLAN SERVICES5+ years Filed as: P&A RETIREMENT PLAN SERVICES, INC Service code 13 · EIN 16-1533601 | Contract Administrator | $9,889 |
COURIER CAPITAL4 years Filed as: COURIER CAPITAL ADVISORS Service code 17 1114 DELAWARE AVE · BUFFALO, NY 14209 | Pension Consulting | $9,479 |
INVESTMENT ANALYTICS5+ years Service code 17 1350 ONE M AND T PLAZA · BUFFALO, NY 14203 | Pension Consulting | $8,725 |
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 | $33,226 | $54,757-39.3% | $90,304-63.2% | $72,975-54.5% |
| Participation rate | 66.3% | 65.2%+1.1pp | 73.3%-7.0pp | 69.5%-3.2pp |
| Annual return | 29.77% | 30.63%-0.9pp | 78.13%-48.4pp | 81.01%-51.2pp |
| Employer contribution / active EE | $439 | $2,093-79.0% | $2,855-84.6% | $2,440-82.0% |
| Participant deferral / active EE | $1,323 | $2,887-54.2% | $3,885-65.9% | $3,608-63.3% |
| Admin fee / account holder | $390 | $3,973-90.2% | $5,354-92.7% | $5,124-92.4% |