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| Provider | Service type | Compensation |
|---|---|---|
APFS WEALTH MANAGEMENT10+ years Service code 27 350 LINDEN OAKS SUITE 140 · ROCHESTER, NY 14625 | Advisory (Plan) | $38,057 |
AMERICAN REALTY ADVISORS4 years Filed as: AMERICAN TRUST COMPANY Service code 13 · EIN 62-0951563 | Contract Administrator | $37,792 |
INSERO & CO. CPAS, LLP5 years Filed as: INSERO & CO. CPAS LLP Service code 10 · EIN 47-5324570 | Accounting | $13,225 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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.)
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 | $71,142 | $66,486+7.0% | $81,370-12.6% | $77,762-8.5% |
| Participation rate | 56.8% | 68.7%-11.9pp | 69.5%-12.7pp | 70.6%-13.8pp |
| Annual return | 11.11% | 15.95%-4.8pp | 24.85%-13.7pp | 31.27%-20.2pp |
| Employer contribution / active EE | $366 | $2,158-83.0% | $2,464-85.2% | $2,728-86.6% |
| Participant deferral / active EE | $3,488 | $3,677-5.1% | $3,885-10.2% | $4,651-25.0% |
| Admin fee / account holder | $392 | $586-33.0% | $5,749-93.2% | $433-9.4% |