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| Provider | Service type | Compensation |
|---|---|---|
Filed as: UNIFIED TRUST COMPANY Service code 13 · EIN 61-1256314 | Contract Administrator | $53,964 |
PARADIGM CONSULTING, INC.6+ years Service code 27 133 BUSINESS PARK DRIVE · UTICA, NY 13502 | Advisory (Plan) | $32,488 |
FUST CHARLES CHAMBERS LLP6+ years Filed as: FUST CHARLES CHAMBERS, LLP Service code 10 · EIN 16-1226221 | Accounting | $9,195 |
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.
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 | $74,313 | $52,293+42.1% | $178,503-58.4% | $73,412+1.2% |
| Participation rate | 26.7% | 65.3%-38.7pp | 81.9%-55.2pp | 72.2%-45.5pp |
| Annual return | 8.77% | 34.75%-26.0pp | 151.12%-142.3pp | 59.30%-50.5pp |
| Employer contribution / active EE | $327 | $1,736-81.2% | $5,011-93.5% | $2,234-85.4% |
| Participant deferral / active EE | $965 | $2,333-58.7% | $5,202-81.5% | $3,806-74.7% |
| Admin fee / account holder | $483 | $127+279.3% | $13,987-96.5% | $158+206.0% |