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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ONEAMERICA RETIREMENT SERVICES Service code 15 · EIN 46-5378846 | Recordkeeping | $139,400 |
Filed as: BLUE WATER ADVISORS Service code 26 133 EAST MAIN STREET · BABYLON, NY 11702 | Advisory (Participants) | $30,638 |
QCI ASSET MANAGEMENT9+ years Service code 26 40A GROVE STREET · PITTSFORD, NY 14534 | Advisory (Participants) | $17,428 |
MATRIX TRUST COMPANY9+ years Filed as: MG TRUST COMPANY DBA MATRIX TRUST C Service code 15 · EIN 75-3182674 | Recordkeeping | $14,557 |
E CRAIG YOUNG3 years Filed as: CRAIG CAIRNS HOWE & RUSLING Service code 26 120 EAST AVENUE · ROCHESTER, NY 14604 | Advisory (Participants) | $8,409 |
COBBLESTONE CAPITAL ADVISORS5 years Service code 26 · EIN 16-1543732 | Advisory (Participants) | $4,017 |
MATRIX TRUST COMPANY8 years Service code 62 | Soft dollars commissions; Float revenue | $0 |
TD AMERITRADE, INC.9+ years Service code 59 | Shareholder Servicing | $0 |
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.
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $294,900 | $95,438+209.0% | $135,982+116.9% | $74,473+296.0% |
| Participation rate | 99.1% | 78.2%+20.9pp | 81.9%+17.2pp | 70.7%+28.4pp |
| Annual return | 17.05% | 32.61%-15.6pp | 68.32%-51.3pp | 34.36%-17.3pp |
| Employer contribution / active EE | $13,334 | $3,878+243.9% | $4,859+174.4% | $2,638+405.4% |
| Participant deferral / active EE | $11,043 | $7,790+41.8% | $7,760+42.3% | $4,530+143.8% |
| Admin fee / account holder | $321 | $259+24.2% | $10,767-97.0% | $347-7.4% |