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| Provider | Service type | Compensation |
|---|---|---|
Filed as: HERITAGE PENSION SERVICES, INC Service code 15 · EIN 81-4903086 | Recordkeeping | $76,221 |
CARON & BLETZER, PLLC7+ years Service code 10 · EIN 04-3499945 | Accounting | $13,600 |
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.)
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $37,679 | $47,163-20.1% | $149,696-74.8% | $74,460-49.4% |
| Participation rate | 31.9% | 63.4%-31.6pp | 78.8%-46.9pp | 70.7%-38.9pp |
| Annual return | 16.93% | 22.75%-5.8pp | 134.46%-117.5pp | 34.38%-17.4pp |
| Employer contribution / active EE | $181 | $1,907-90.5% | $4,821-96.3% | $2,638-93.2% |
| Participant deferral / active EE | $1,490 | $2,730-45.4% | $5,682-73.8% | $4,530-67.1% |
| Admin fee / account holder | $301 | $343-12.4% | $13,212-97.7% | $348-13.6% |