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| Provider | Service type | Compensation |
|---|---|---|
SPINNAKER TRUST2 years Service code 21 · EIN 01-0513167 123 FREE STREET · PORTLAND, ME 04101 | Bank Trustee | $16,500 |
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $711 | $60,488-98.8% | $109,916-99.4% | $79,389-99.1% |
| Participation rate | 99.1% | 67.0%+32.1pp | 74.2%+24.9pp | 70.7%+28.4pp |
| Annual return | -139.47% | 189.57%-329.0pp | 29.46%-168.9pp | 116.89%-256.4pp |
| Employer contribution / active EE | $3,379 | $1,649+104.9% | $2,844+18.8% | $2,428+39.2% |
| Participant deferral / active EE | $0 | $3,220-100.0% | $4,047-100.0% | $4,046-100.0% |
| Admin fee / account holder | $46 | $605-92.5% | $6,069-99.2% | $626-92.7% |