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| Provider | Service type | Compensation |
|---|---|---|
HILLS BANK AND TRUST COMPANY5 years Service code 13 · EIN 42-0310580 | Contract Administrator | $58,163 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $69,744 | $78,976-11.7% | $100,383-30.5% | $74,546-6.4% |
| Participation rate | 66.2% | 79.5%-13.2pp | 81.5%-15.3pp | 67.2%-1.0pp |
| Annual return | 43.62% | 20.62%+23.0pp | 49.26%-5.6pp | 1366.03%-1322.4pp |
| Employer contribution / active EE | $2,449 | $3,019-18.9% | $3,944-37.9% | $2,624-6.7% |
| Participant deferral / active EE | $5,427 | $7,758-30.0% | $8,086-32.9% | $4,347+24.8% |
| Admin fee / account holder | $318 | $1,330-76.1% | $7,900-96.0% | $1,944-83.6% |