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| Provider | Service type | Compensation |
|---|---|---|
PENTEGRA SERVICES, INC.7+ years Filed as: PENTEGRA RETIREMENT TRUST Service code 21 · EIN 11-1805969 | Bank Trustee | $58,141 |
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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $163,948 | $163,9480% | $454,052-63.9% | $95,044+72.5% |
| Participation rate | 100.0% | 2.6%+97.4pp | 18.4%+81.6pp | 8.4%+91.6pp |
| Annual return | 11.83% | 11.99%-0.2pp | 8.95%+2.9pp | 18.35%-6.5pp |
| Employer contribution / active EE | $0 | $18,406-100.0% | $46,559-100.0% | $14,669-100.0% |
| Participant deferral / active EE | $0 | $26-100.0% | $131-100.0% | $70-100.0% |
| Admin fee / account holder | $709 | $7090% | $19,831-96.4% | $9,141-92.2% |