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| Provider | Service type | Compensation |
|---|---|---|
THE WATERFORD GROUP LLC1 year Filed as: THE WATERFORD GROUP Service code 26 1657 EAST AVE. · ROCHESTER, NY 14610 | Advisory (Participants) | $5,668 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
The auditor declined to give an opinion. This is usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,161 | $66,124-81.6% | $90,404-86.5% | $73,488-83.5% |
| Participation rate | 77.8% | 69.7%+8.1pp | 72.7%+5.1pp | 70.7%+7.1pp |
| Annual return | 18.38% | 17.65%+0.7pp | 1293.02%-1274.6pp | 28.51%-10.1pp |
| Employer contribution / active EE | $0 | $2,346-100.0% | $3,262-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $3,296 | $3,039+8.5% | $3,963-16.8% | $3,740-11.9% |
| Admin fee / account holder | $48 | $396-87.9% | $5,611-99.1% | $513-90.7% |