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| Provider | Service type | Compensation |
|---|---|---|
SPINNAKER TRUST1 year Service code 21 · EIN 01-0513167 123 FREE STREET · PORTLAND, ME 04101 | Bank Trustee | $21,250 |
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $61,710 | $81,208-24.0% | $98,920-37.6% | $79,852-22.7% |
| Participation rate | 96.8% | 72.5%+24.3pp | 76.0%+20.7pp | 69.6%+27.1pp |
| Annual return | 30.46% | 60.99%-30.5pp | 196.47%-166.0pp | 31.72%-1.3pp |
| Employer contribution / active EE | $0 | $1,960-100.0% | $2,689-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $0 | $3,265-100.0% | $4,245-100.0% | $3,740-100.0% |
| Admin fee / account holder | $215 | $6,013-96.4% | $6,643-96.8% | $5,306-96.0% |