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| Provider | Service type | Compensation |
|---|---|---|
FISCHER INVESTMENT GROUP1+ years Service code 27 1170 PITTSFORD-VICTOR RD. · PITTSFORD, NY 14534 | Advisory (Plan) | $26,794 |
CHARLES SCHWAB & CO., INC.1+ years Filed as: CHARLES SCHWAB TRUST COMPANY Service code 19 · EIN 42-1558009 | Securities Custodian | $2,695 |
EPIC RETIREMENT PLAN SERVICES1+ years Filed as: EPIC ADVISORS, INC. Service code 15 · EIN 16-1450952 | Recordkeeping | $450 |
CHARLES SCHWAB & CO., INC.1+ years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $31,752 | $70,002-54.6% | $115,037-72.4% | $52,331-39.3% |
| Participation rate | 56.1% | 72.1%-16.0pp | 81.4%-25.2pp | 68.1%-12.0pp |
| Annual return | -3.00% | 4.04%-7.0pp | 26.14%-29.1pp | 4.54%-7.5pp |
| Employer contribution / active EE | $361 | $2,715-86.7% | $4,608-92.2% | $1,882-80.8% |
| Participant deferral / active EE | $2,215 | $4,920-55.0% | $6,026-63.2% | $3,022-26.7% |
| Admin fee / account holder | $336 | $566-40.6% | $8,175-95.9% | $592-43.1% |