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| Provider | Service type | Compensation |
|---|---|---|
HNP CAPITAL LLC3 years Filed as: HNP CAPITAL, LLC Service code 50 100 CHESTNUT STREET · ROCHESTER, NY 14604 | Direct Payment | $13,140 |
THE VANGUARD GROUP, INC.4 years Service code 15 · EIN 23-1945930 | Recordkeeping | $12,839 |
COURIER CAPITAL1 year Filed as: COURIER CAPITAL. Service code 50 100 CHESTNUT ST · ROCHESTER, NY 14604 | Direct Payment | $6,708 |
Annual investment return is in the bottom quintile of the peer cohort.
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 | $153,665 | $47,163+225.8% | $149,696+2.7% | $74,460+106.4% |
| Participation rate | 97.2% | 63.4%+33.8pp | 78.8%+18.5pp | 70.7%+26.5pp |
| Annual return | 12.55% | 22.75%-10.2pp | 134.46%-121.9pp | 34.38%-21.8pp |
| Employer contribution / active EE | $5,846 | $1,907+206.6% | $4,821+21.3% | $2,638+121.6% |
| Participant deferral / active EE | $7,224 | $2,730+164.6% | $5,682+27.1% | $4,530+59.5% |
| Admin fee / account holder | $82 | $343-76.2% | $13,212-99.4% | $348-76.6% |