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| Provider | Service type | Compensation |
|---|---|---|
PNC BANK, N.A.3+ years Service code 25 · EIN 22-1143460 | Directed Trustee | $29,476 |
PNC BANK, N.A.3+ years Filed as: PNC BANK, NATIONAL ASSOCIATION Service code 59 | Shareholder Servicing | $0 |
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).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $139,022 | $64,909+114.2% | $82,312+68.9% | $62,293+123.2% |
| Participation rate | 59.1% | 74.9%-15.8pp | 76.9%-17.8pp | 69.5%-10.4pp |
| Annual return | 16.53% | 21.18%-4.7pp | 25.88%-9.4pp | 28.90%-12.4pp |
| Employer contribution / active EE | $1,397 | $1,676-16.7% | $2,428-42.5% | $2,042-31.6% |
| Participant deferral / active EE | $3,741 | $3,103+20.5% | $3,706+0.9% | $3,169+18.0% |
| Admin fee / account holder | $307 | $440-30.2% | $5,608-94.5% | $479-35.9% |