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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 |
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 | $42,605 | $46,464-8.3% | $150,298-71.7% | $79,634-46.5% |
| Participation rate | 43.8% | 57.0%-13.2pp | 77.8%-34.0pp | 62.5%-18.7pp |
| Annual return | 12.56% | 27.89%-15.3pp | 62.79%-50.2pp | 36.46%-23.9pp |
| Employer contribution / active EE | $189 | $1,512-87.5% | $4,154-95.4% | $2,529-92.5% |
| Participant deferral / active EE | $1,563 | $2,157-27.5% | $5,453-71.3% | $3,835-59.2% |
| Admin fee / account holder | $350 | $891-60.7% | $14,116-97.5% | $1,002-65.0% |