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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $9,459 |
Filed as: FIRST CITIZENS BANK INST TRUST Service code 27 · EIN 56-0223230 | Advisory (Plan) | $3,423 |
Filed as: CLOSED DLR-FIRST CITIZENS INVESTOR Service code 27 · EIN 56-1854695 | Advisory (Plan) | $1,391 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer 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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $43,669 | $34,634+26.1% | $77,096-43.4% | $64,819-32.6% |
| Participation rate | 19.6% | 49.8%-30.2pp | 67.9%-48.3pp | 71.5%-51.9pp |
| Annual return | -17.97% | -5.31%-12.7pp | 42.35%-60.3pp | 32.84%-50.8pp |
| Employer contribution / active EE | $199 | $1,385-85.6% | $2,814-92.9% | $2,507-92.1% |
| Participant deferral / active EE | $617 | $2,553-75.8% | $4,429-86.1% | $4,311-85.7% |
| Admin fee / account holder | $255 | $178+43.2% | $5,428-95.3% | $188+36.0% |