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| Provider | Service type | Compensation |
|---|---|---|
PEOPLE'S UNITED BANK2 years Service code 24 201 MAIN STREET · BANGOR, ME 04401 | Discretionary Trustee | $31,269 |
NEWPORT GROUP, INC.2 years Service code 13 · EIN 27-2037969 | Contract Administrator | $18,823 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $65,245 | $136,307-52.1% | $177,848-63.3% | $73,497-11.2% |
| Participation rate | 68.5% | 86.1%-17.6pp | 87.7%-19.2pp | 70.7%-2.1pp |
| Annual return | 17.90% | 18.68%-0.8pp | 48.33%-30.4pp | 28.51%-10.6pp |
| Employer contribution / active EE | $1,586 | $3,712-57.3% | $5,919-73.2% | $2,270-30.2% |
| Participant deferral / active EE | $3,608 | $5,829-38.1% | $7,714-53.2% | $3,740-3.5% |
| Admin fee / account holder | $428 | $596-28.1% | $12,431-96.6% | $513-16.6% |