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| Provider | Service type | Compensation |
|---|---|---|
CNB WEALTH MANAGEMENT2 years Service code 15 1150-A PITTSFORD VICTOR RD · PITTSFORD, NY 14534 | Recordkeeping | $37,360 |
PAYCHEX, INC.5+ years Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $9,661 |
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.)
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $68,938 | $65,376+5.4% | $87,104-20.9% | $65,185+5.8% |
| Participation rate | 69.1% | 75.3%-6.2pp | 76.9%-7.8pp | 70.2%-1.1pp |
| Annual return | 20.26% | 31.27%-11.0pp | 28.19%-7.9pp | 29.38%-9.1pp |
| Employer contribution / active EE | $0 | $1,822-100.0% | $2,521-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $2,152 | $3,388-36.5% | $4,048-46.9% | $3,514-38.8% |
| Admin fee / account holder | $424 | $520-18.4% | $7,491-94.3% | $847-50.0% |