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| Provider | Service type | Compensation |
|---|---|---|
Filed as: HERITAGE PENSION SERVICES, INC Service code 15 · EIN 81-4903086 | Recordkeeping | $87,489 |
CARON & BLETZER, PLLC8+ years Service code 10 · EIN 04-3499945 | Accounting | $14,500 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,186 | $50,919-23.0% | $155,556-74.8% | $77,762-49.6% |
| Participation rate | 37.4% | 63.1%-25.7pp | 78.2%-40.9pp | 70.6%-33.2pp |
| Annual return | 12.79% | 34.84%-22.0pp | 64.84%-52.0pp | 31.27%-18.5pp |
| Employer contribution / active EE | $161 | $1,991-91.9% | $4,675-96.6% | $2,728-94.1% |
| Participant deferral / active EE | $1,335 | $2,824-52.7% | $5,631-76.3% | $4,651-71.3% |
| Admin fee / account holder | $326 | $437-25.4% | $15,885-97.9% | $433-24.7% |