Filings through .
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| Provider | Service type | Compensation |
|---|---|---|
PAYCHEX, INC.4 years Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $23,146 |
THE WATERFORD GROUP LLC4 years Filed as: THE WATERFORD GROUP Service code 26 800 PARKER HILL DRIVE · ROCHESTER, NY 14610 | Advisory (Participants) | $17,560 |
6 funds of $250K or more; 11 lines in all, holding $4.1M of the plan's $4.3M. From the 2025 filing. Recordkeeper: Paychex.
Target-date series: American Funds Target Date, mutual fund, 80% of fund dollars
| Fund | Dollars | % of funds% |
|---|---|---|
| American Funds Target Date Capital Group · Mutual fund Target-date, 11 vintages | $3.3M | 80.2% |
| Vanguard 500 Index Fund Admiral Shares Vanguard · Mutual fund Index | $530K | 12.9% |
| Vanguard Growth Index Fund Admiral Shares Vanguard · Mutual fund Index | $106K | 2.6% |
| John Hancock Bond Fund Class A John Hancock (Manulife) · Mutual fund Possible retail class A | $33K | 0.8% |
| Fidelity Small Cap Index Fund Fidelity (FMR) · Mutual fund Index | $32K | 0.8% |
| Vanguard Mid-Cap Index Fund Admiral Shares Vanguard · Mutual fund Index | $31K | 0.7% |
| Invesco Discovery Mid Cap Growth Fund Invesco · Mutual fund | $26K | 0.6% |
| Vanguard Short-Term Bond Index Fund Admiral Shares Vanguard · Mutual fund Index | $20K | 0.5% |
| Eupac Fund Class A Capital Group · Mutual fund | $17K | 0.4% |
| MFS Value Fund MFS (Sun Life) · Mutual fund | $8K | 0.2% |
Moved to another target-date series.
| Fund | Year-end value |
|---|---|
| Target-date switchT. Rowe Price Retirement 2050 Fund-Advisor Class to American Funds 2050 Target Date Retirement Fund Class A | $2.5M to $3.2M |
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 71,097 large plans that list their funds in their annual filing. Updated Nov 3, 2026. Shares describe these plans, not the whole market.
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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.