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| Provider | Service type | Compensation |
|---|---|---|
APFS WEALTH MANAGEMENT8+ years Service code 27 350 LINDEN OAKS SUITE 140 · ROCHESTER, NY 14625 | Advisory (Plan) | $39,130 |
AMERICAN REALTY ADVISORS2 years Filed as: AMERICAN TRUST COMPANY Service code 13 · EIN 62-0951563 | Contract Administrator | $33,414 |
INSERO & CO. CPAS, LLP3 years Filed as: INSERO & CO. CPAS LLP Service code 10 · EIN 47-5324570 | Accounting | $12,000 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $58,373 | $56,503+3.3% | $69,890-16.5% | $64,824-10.0% |
| Participation rate | 53.4% | 70.5%-17.1pp | 70.5%-17.1pp | 71.5%-18.1pp |
| Annual return | -12.53% | -13.44%+0.9pp | 190.84%-203.4pp | 32.84%-45.4pp |
| Employer contribution / active EE | $304 | $2,046-85.1% | $2,560-88.1% | $2,507-87.9% |
| Participant deferral / active EE | $3,058 | $3,389-9.8% | $3,848-20.5% | $4,311-29.1% |
| Admin fee / account holder | $369 | $160+130.3% | $6,267-94.1% | $188+96.5% |