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| Provider | Service type | Compensation |
|---|---|---|
Service code 51 · EIN 58-1882582 | Investment Mgmt Fees | $68,321 |
Filed as: HERITAGE PENSION ADVISORS, INC Service code 15 · EIN 81-4903086 | Recordkeeping | $44,793 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $42,676 | $65,904-35.2% | $160,784-73.5% | $79,634-46.4% |
| Participation rate | 36.5% | 56.2%-19.7pp | 77.0%-40.4pp | 62.5%-25.9pp |
| Annual return | 12.33% | 20.16%-7.8pp | 1803.92%-1791.6pp | 36.46%-24.1pp |
| Employer contribution / active EE | $729 | $1,805-59.6% | $3,733-80.5% | $2,529-71.2% |
| Participant deferral / active EE | $1,389 | $3,692-62.4% | $6,293-77.9% | $3,835-63.8% |
| Admin fee / account holder | $457 | $965-52.6% | $9,717-95.3% | $1,002-54.3% |