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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 13-3689044 | Recordkeeping | $28,214 |
PNC BANK, N.A.1 year Filed as: PNC BANK NATIONAL ASSOCIATION Service code 27 · EIN 22-1146430 | Advisory (Plan) | $27,454 |
NOVA 401(K) ASSOCIATES2 years Filed as: NOVA 401K ASSOCIATES LP Service code 15 · EIN 20-1181458 | Recordkeeping | $7,725 |
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $15,690 | $89,465-82.5% | $165,100-90.5% | $77,762-79.8% |
| Participation rate | 78.0% | 78.6%-0.6pp | 78.6%-0.6pp | 70.6%+7.4pp |
| Annual return | 20.95% | 28.86%-7.9pp | 70.21%-49.3pp | 31.27%-10.3pp |
| Employer contribution / active EE | $3,020 | $2,565+17.7% | $4,348-30.6% | $2,728+10.7% |
| Participant deferral / active EE | $4,497 | $4,904-8.3% | $6,035-25.5% | $4,651-3.3% |
| Admin fee / account holder | $130 | $340-61.7% | $12,696-99.0% | $433-69.9% |