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| Provider | Service type | Compensation |
|---|---|---|
Filed as: FULTON BANK, N.A. Service code 15 · EIN 23-1928421 | Recordkeeping | $54,277 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $155,596 | $79,223+96.4% | $102,460+51.9% | $74,478+108.9% |
| Participation rate | 61.7% | 74.8%-13.1pp | 76.5%-14.9pp | 67.2%-5.6pp |
| Annual return | 23.89% | 54.98%-31.1pp | 29.47%-5.6pp | 1370.56%-1346.7pp |
| Employer contribution / active EE | $1,557 | $2,363-34.1% | $3,025-48.5% | $2,626-40.7% |
| Participant deferral / active EE | $3,054 | $4,417-30.9% | $5,056-39.6% | $4,350-29.8% |
| Admin fee / account holder | $517 | $2,003-74.2% | $9,460-94.5% | $1,946-73.4% |