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| Provider | Service type | Compensation |
|---|---|---|
DAVID KERCHNER4+ years Service code 28 · EIN 21-5868966 | Investment Management | $13,752 |
Filed as: JOHN T. LAUER, II Service code 31 205 GRANITE RUN ROAD · LANCASTER, PA 17601 | Named fiduciary | $13,752 |
PENSERV PLAN SERVICES, INC.4+ years Filed as: PENSERV PLAN SERVICES Service code 15 · EIN 20-1916735 | Recordkeeping | $10,059 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $52,645 | $61,214-14.0% | $83,327-36.8% | $56,289-6.5% |
| Participation rate | 80.5% | 72.6%+7.9pp | 77.8%+2.7pp | 69.9%+10.7pp |
| Annual return | -4.75% | 0.42%-5.2pp | 10.64%-15.4pp | -9.96%+5.2pp |
| Employer contribution / active EE | $0 | $1,925-100.0% | $3,379-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $3,936 | $5,091-22.7% | $5,565-29.3% | $3,350+17.5% |
| Admin fee / account holder | $335 | $512-34.5% | $7,540-95.6% | $521-35.7% |