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| Provider | Service type | Compensation |
|---|---|---|
CITIZENS & NORTHERN BANK10+ years Service code 15 · EIN 24-0756925 90-92 MAIN STREET · WELLSBORO, PA 16901 | Recordkeeping | $29,395 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $49,773 | $79,223-37.2% | $102,460-51.4% | $74,478-33.2% |
| Participation rate | 64.0% | 74.8%-10.7pp | 76.5%-12.5pp | 67.2%-3.2pp |
| Annual return | 14.26% | 54.98%-40.7pp | 29.47%-15.2pp | 1370.56%-1356.3pp |
| Employer contribution / active EE | $790 | $2,363-66.6% | $3,025-73.9% | $2,626-69.9% |
| Participant deferral / active EE | $1,443 | $4,417-67.3% | $5,056-71.5% | $4,350-66.8% |
| Admin fee / account holder | $316 | $2,003-84.2% | $9,460-96.7% | $1,946-83.8% |