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| Provider | Service type | Compensation |
|---|---|---|
FULTON FINANCIAL ADVISORS4+ years Service code 15 · EIN 23-1928421 | Recordkeeping | $33,639 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $50,365 | $43,504+15.8% | $68,612-26.6% | $56,287-10.5% |
| Participation rate | 46.6% | 67.8%-21.2pp | 72.2%-25.6pp | 69.9%-23.2pp |
| Annual return | -5.92% | -3.15%-2.8pp | -4.63%-1.3pp | -9.96%+4.0pp |
| Employer contribution / active EE | $137 | $1,525-91.0% | $2,625-94.8% | $2,111-93.5% |
| Participant deferral / active EE | $2,657 | $2,509+5.9% | $3,311-19.7% | $3,350-20.7% |
| Admin fee / account holder | $374 | $515-27.4% | $5,131-92.7% | $521-28.3% |