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| Provider | Service type | Compensation |
|---|---|---|
Service code 51 · EIN 58-1882582 | Investment Mgmt Fees | $56,190 |
Filed as: HERITAGE PENSION ADVISORS, INC Service code 15 · EIN 81-4903086 | Recordkeeping | $39,285 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $38,176 | $62,686-39.1% | $178,505-78.6% | $77,762-50.9% |
| Participation rate | 33.1% | 66.9%-33.7pp | 77.1%-44.0pp | 70.6%-37.4pp |
| Annual return | 15.92% | 16.16%-0.2pp | 27.16%-11.2pp | 31.27%-15.4pp |
| Employer contribution / active EE | $761 | $1,914-60.2% | $3,955-80.8% | $2,728-72.1% |
| Participant deferral / active EE | $1,308 | $4,224-69.0% | $6,280-79.2% | $4,651-71.9% |
| Admin fee / account holder | $392 | $386+1.4% | $10,428-96.2% | $433-9.5% |