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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 | $79,181+96.5% | $102,423+51.9% | $74,429+109.1% |
| Participation rate | 61.7% | 74.8%-13.1pp | 76.5%-14.8pp | 67.2%-5.6pp |
| Annual return | 23.89% | 54.97%-31.1pp | 29.42%-5.5pp | 1368.38%-1344.5pp |
| Employer contribution / active EE | $1,557 | $2,362-34.1% | $3,023-48.5% | $2,625-40.7% |
| Participant deferral / active EE | $3,054 | $4,416-30.8% | $5,054-39.6% | $4,348-29.8% |
| Admin fee / account holder | $517 | $2,002-74.2% | $9,455-94.5% | $1,944-73.4% |