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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 | $79,089-11.8% | $100,392-30.5% | $74,459-6.3% |
| Participation rate | 66.2% | 79.4%-13.2pp | 81.5%-15.3pp | 67.2%-1.0pp |
| Annual return | 43.62% | 20.61%+23.0pp | 49.45%-5.8pp | 1369.70%-1326.1pp |
| Employer contribution / active EE | $2,449 | $3,015-18.8% | $3,941-37.9% | $2,626-6.8% |
| Participant deferral / active EE | $5,427 | $7,747-29.9% | $8,090-32.9% | $4,350+24.8% |
| Admin fee / account holder | $318 | $1,336-76.2% | $7,904-96.0% | $1,945-83.7% |