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| Provider | Service type | Compensation |
|---|---|---|
Service code 51 · EIN 58-1882582 | Investment Mgmt Fees | $41,189 |
Filed as: HERITAGE PENSION ADVISORS, INC Service code 15 · EIN 81-4903086 | Recordkeeping | $31,324 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,627 | $50,458-53.2% | $160,009-85.2% | $64,819-63.5% |
| Participation rate | 26.4% | 68.0%-41.6pp | 78.0%-51.6pp | 71.5%-45.1pp |
| Annual return | -12.20% | -13.42%+1.2pp | 408.85%-421.0pp | 32.84%-45.0pp |
| Employer contribution / active EE | $797 | $1,722-53.7% | $4,225-81.1% | $2,507-68.2% |
| Participant deferral / active EE | $1,435 | $4,004-64.1% | $6,183-76.8% | $4,311-66.7% |
| Admin fee / account holder | $302 | $706-57.3% | $8,715-96.5% | $188+60.7% |