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| Provider | Service type | Compensation |
|---|---|---|
UNIFIED TRUST COMPANY, N.A.5+ years Service code 13 · EIN 61-1256314 | Contract Administrator | $45,096 |
PARADIGM CONSULTING, INC.5+ years Service code 27 133 BUSINESS PARK DRIVE · UTICA, NY 13502 | Advisory (Plan) | $32,102 |
FUST CHARLES CHAMBERS LLP5+ years Filed as: FUST CHARLES CHAMBERS, LLP Service code 10 · EIN 16-1226221 | Accounting | $9,720 |
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.)
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 | $64,860 | $62,928+3.1% | $172,753-62.5% | $67,582-4.0% |
| Participation rate | 26.7% | 64.5%-37.8pp | 82.6%-55.9pp | 71.3%-44.6pp |
| Annual return | 18.12% | 30.36%-12.2pp | 803.00%-784.9pp | 378.57%-360.5pp |
| Employer contribution / active EE | $289 | $1,636-82.3% | $5,144-94.4% | $2,148-86.5% |
| Participant deferral / active EE | $991 | $2,145-53.8% | $5,198-80.9% | $3,539-72.0% |
| Admin fee / account holder | $406 | $167+143.8% | $13,956-97.1% | $142+185.4% |