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| Provider | Service type | Compensation |
|---|---|---|
Filed as: CANANDAIGUA NATIONAL BANK AND TRUST Service code 27 1150 PITTSFORD VICTOR RD · PITTSFORD, NY 14534 | Advisory (Plan) | $11,782 |
Filed as: EMPOWER LIFE & ANNUITY INSURANCE CO Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $9,145 |
Filed as: EMPOWER ADVISORY GROUP, LLC Service code 28 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Investment Management | $8,030 |
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.)
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 | $41,372 | $29,525+40.1% | $56,033-26.2% | $77,736-46.8% |
| Participation rate | 18.9% | 32.7%-13.8pp | 52.5%-33.6pp | 70.6%-51.7pp |
| Annual return | 10.50% | 18.90%-8.4pp | 1711.38%-1700.9pp | 31.26%-20.8pp |
| Employer contribution / active EE | $273 | $569-52.0% | $1,041-73.8% | $2,728-90.0% |
| Participant deferral / active EE | $901 | $1,062-15.2% | $1,954-53.9% | $4,651-80.6% |
| Admin fee / account holder | $305 | $1,040-70.7% | $2,827-89.2% | $433-29.7% |