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| Provider | Service type | Compensation |
|---|---|---|
NEWPORT GROUP, INC.1 year Service code 15 · EIN 27-2037969 | Recordkeeping | $18,968 |
PNC BANK, N.A.2 years Service code 25 · EIN 22-1146430 | Directed Trustee | $16,326 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $44,272 | $52,967-16.4% | $172,753-74.4% | $65,186-32.1% |
| Participation rate | 42.0% | 66.2%-24.2pp | 82.6%-40.6pp | 70.2%-28.2pp |
| Annual return | 20.89% | 30.12%-9.2pp | 803.00%-782.1pp | 29.39%-8.5pp |
| Employer contribution / active EE | $1,421 | $2,190-35.1% | $5,144-72.4% | $2,177-34.7% |
| Participant deferral / active EE | $2,898 | $2,471+17.3% | $5,198-44.2% | $3,514-17.5% |
| Admin fee / account holder | $364 | $472-22.9% | $13,956-97.4% | $847-57.1% |