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| Provider | Service type | Compensation |
|---|---|---|
PEOPLE'S UNITED BANK3 years Service code 24 201 MAIN STREET · BANGOR, ME 04401 | Discretionary Trustee | $47,943 |
NEWPORT GROUP, INC.3 years Service code 13 · EIN 27-2037969 | Contract Administrator | $8,285 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $68,548 | $121,341-43.5% | $189,520-63.8% | $79,393-13.7% |
| Participation rate | 71.3% | 86.1%-14.8pp | 87.8%-16.5pp | 70.7%+0.6pp |
| Annual return | 16.17% | 21.08%-4.9pp | 555.25%-539.1pp | 116.87%-100.7pp |
| Employer contribution / active EE | $1,673 | $3,915-57.3% | $6,161-72.8% | $2,428-31.1% |
| Participant deferral / active EE | $4,146 | $6,395-35.2% | $8,220-49.6% | $4,046+2.5% |
| Admin fee / account holder | $420 | $651-35.6% | $12,046-96.5% | $627-33.0% |