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| Provider | Service type | Compensation |
|---|---|---|
FULTON FINANCIAL ADVISORS2 years Filed as: FULTON BANK, N.A. Service code 15 · EIN 23-1928421 | Recordkeeping | $24,326 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $57,259 | $55,636+2.9% | $81,991-30.2% | $73,493-22.1% |
| Participation rate | 54.4% | 62.3%-7.9pp | 69.3%-14.9pp | 70.7%-16.3pp |
| Annual return | 11.25% | 19.07%-7.8pp | 41.31%-30.1pp | 28.51%-17.3pp |
| Employer contribution / active EE | $754 | $1,625-53.6% | $2,498-69.8% | $2,270-66.8% |
| Participant deferral / active EE | $1,480 | $2,762-46.4% | $3,722-60.3% | $3,740-60.4% |
| Admin fee / account holder | $358 | $493-27.4% | $5,665-93.7% | $513-30.3% |