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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 | $45,626+288.3% | $94,105+88.2% | $64,097+176.4% |
| Participation rate | 96.5% | 48.0%+48.4pp | 71.9%+24.5pp | 55.2%+41.3pp |
| Annual return | 10.46% | 28.23%-17.8pp | 204.55%-194.1pp | 34.64%-24.2pp |
| Employer contribution / active EE | $2,690 | $1,171+129.8% | $2,504+7.4% | $1,891+42.2% |
| Participant deferral / active EE | $6,236 | $2,128+193.1% | $3,881+60.7% | $3,080+102.5% |
| Admin fee / account holder | $387 | $2,872-86.5% | $6,199-93.8% | $3,454-88.8% |