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| Provider | Service type | Compensation |
|---|---|---|
PENSERV PLAN SERVICES, INC.8+ years Filed as: PENSERV PLAN SERVICES Service code 15 · EIN 20-1916735 | Recordkeeping | $15,154 |
DAVID KERCHNER8+ years Service code 28 · EIN 21-5868966 | Investment Management | $13,489 |
Filed as: JOHN T. LAUER, II Service code 31 205 GRANITE RUN ROAD · LANCASTER, PA 17601 | Named fiduciary | $13,489 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $62,536 | $59,111+5.8% | $86,451-27.7% | $68,490-8.7% |
| Participation rate | 68.4% | 75.2%-6.8pp | 80.3%-11.9pp | 67.9%+0.5pp |
| Annual return | -20.58% | -0.22%-20.4pp | 4398.51%-4419.1pp | -7.85%-12.7pp |
| Employer contribution / active EE | $16 | $2,519-99.4% | $3,770-99.6% | $2,597-99.4% |
| Participant deferral / active EE | $4,027 | $5,900-31.7% | $6,953-42.1% | $4,0280% |
| Admin fee / account holder | $209 | $5,640-96.3% | $6,734-96.9% | $5,403-96.1% |