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| Provider | Service type | Compensation |
|---|---|---|
Filed as: HERITAGE PENSION SERVICES, INC Service code 15 · EIN 81-4903086 | Recordkeeping | $85,286 |
CARON & BLETZER, PLLC9+ years Service code 10 · EIN 04-3499945 | Accounting | $17,425 |
15 funds of $250K or more; 36 lines in all, holding $12.9M of the plan's $13.0M. From the 2025 filing. Recordkeeper: Heritage Pension Advisors.
Target-date series: Vanguard Target Retirement, mutual fund, 10% of fund dollars
| Fund | Dollars | % of funds% |
|---|---|---|
| Fidelity 500 Index Fund Fidelity (FMR) · Mutual fund Index | $2.7M | 21.1% |
| Vanguard Target Retirement Vanguard · Mutual fund Target-date, 9 vintages | $1.3M | 10.1% |
| Vanguard Cash Reserves Federal Money Market Fund Admiral Shares Vanguard · Money market | $1.2M | 9.1% |
| Vanguard Wellington Fund Admiral Shares Vanguard · Mutual fund | $763K | 5.9% |
| Massachusetts Investors Growth Stock Fund R6 MFS (Sun Life) · Mutual fund | $742K | 5.8% |
| Vanguard Wellesley Income Fund Admiral Shares Vanguard · Mutual fund | $688K | 5.4% |
| Dodge & Cox Stock Fund Class I Dodge & Cox · Mutual fund | $656K | 5.1% |
| Vanguard Health Care Fund Investor Shares Vanguard · Mutual fund | $646K | 5.0% |
| Columbia Contrarian Core Fund Institutional Class Ameriprise (Columbia Threadneedle) · Mutual fund | $485K | 3.8% |
| Putnam Large CAP Value Fund Class R6 Franklin Templeton · Mutual fund | $399K | 3.1% |
Added 1 fund, dropped 1 fund.
| Fund | Year-end value |
|---|---|
| AddedPutnam Large CAP Value Fund Class R6 | $399K |
| DroppedNicholas Equity Income Fund I | $357K |
Stable value and insurance contract lines, renames and class changes are not counted.
Changes of at least $250K and 0.1% of the plan between the 2024 and 2025 filings. Values are year-end holdings, not money moved.
Covers 61,314 large plans that list their funds in their annual filing. Updated Nov 2, 2026. Shares describe these plans, not the whole market.
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
The auditor signed off without reservation. This is the cleanest opinion.