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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 | $49,657+256.7% | $93,063+90.3% | $67,986+160.6% |
| Participation rate | 96.5% | 49.9%+46.5pp | 72.1%+24.3pp | 57.2%+39.3pp |
| Annual return | 10.46% | 26.27%-15.8pp | 34.15%-23.7pp | 31.67%-21.2pp |
| Employer contribution / active EE | $2,690 | $1,279+110.4% | $2,476+8.7% | $2,019+33.3% |
| Participant deferral / active EE | $6,236 | $2,484+151.1% | $3,958+57.6% | $3,358+85.7% |
| Admin fee / account holder | $387 | $2,843-86.4% | $6,033-93.6% | $3,203-87.9% |