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| Provider | Service type | Compensation |
|---|---|---|
PNC BANK, N.A.1+ years Service code 25 · EIN 25-1211909 | Directed Trustee | $275 |
PNC BANK, N.A.1+ 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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $92,434 | $54,320+70.2% | $67,652+36.6% | $52,331+76.6% |
| Participation rate | 68.5% | 73.6%-5.1pp | 75.7%-7.2pp | 68.1%+0.4pp |
| Annual return | 0.60% | 6.81%-6.2pp | 6625.40%-6624.8pp | 4.54%-3.9pp |
| Employer contribution / active EE | $1,088 | $1,544-29.5% | $2,266-52.0% | $1,882-42.2% |
| Participant deferral / active EE | $2,723 | $2,950-7.7% | $3,560-23.5% | $3,022-9.9% |
| Admin fee / account holder | $3 | $527-99.4% | $4,821-99.9% | $592-99.5% |