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| Provider | Service type | Compensation |
|---|---|---|
CITIZENS BANK1 year Filed as: CITIZENS BANK - TRUST FEE DEPARTME Service code 27 · EIN 20-2635739 | Advisory (Plan) | $50,208 |
Service code 37 · EIN 04-2647786 | Loan Processing | -$62,538 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $125,213 | $61,125+104.8% | $108,582+15.3% | $63,975+95.7% |
| Participation rate | 20.3% | 80.5%-60.2pp | 79.6%-59.3pp | 71.1%-50.8pp |
| Annual return | 8.08% | 14.06%-6.0pp | -51.70%+59.8pp | 48.65%-40.6pp |
| Employer contribution / active EE | $822 | $2,237-63.2% | $3,758-78.1% | $2,182-62.3% |
| Participant deferral / active EE | $1,791 | $3,574-49.9% | $4,311-58.5% | $3,356-46.7% |
| Admin fee / account holder | -$17 | $72-123.1% | $7,645-100.2% | $70-123.6% |