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| Provider | Service type | Compensation |
|---|---|---|
PNC BANK, N.A.2 years Filed as: PNC INSTITUTIONAL ASSET MANAGEMENT Service code 27 · EIN 22-1146430 | Advisory (Plan) | $31,920 |
NEWPORT GROUP, INC.5 years Service code 15 · EIN 27-2037969 | Recordkeeping | $24,566 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $177,144 | $52,978+234.4% | $116,096+52.6% | $65,306+171.2% |
| Participation rate | 96.5% | 51.6%+44.8pp | 73.3%+23.1pp | 57.7%+38.8pp |
| Annual return | 10.46% | 27.83%-17.4pp | 326.25%-315.8pp | 21.94%-11.5pp |
| Employer contribution / active EE | $2,690 | $1,182+127.6% | $2,503+7.5% | $1,967+36.8% |
| Participant deferral / active EE | $6,236 | $2,197+183.8% | $3,952+57.8% | $2,959+110.7% |
| Admin fee / account holder | $387 | $2,820-86.3% | $7,704-95.0% | $3,480-88.9% |