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| Provider | Service type | Compensation |
|---|---|---|
WILMINGTON TRUST2 years Filed as: WILMINGTON TRUST NATIONAL ASSOC Service code 27 · EIN 16-1486454 | Advisory (Plan) | $25,116 |
Service code 37 · EIN 04-2647786 | Loan Processing | $8,870 |
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.
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 | $96,092 | $64,138+49.8% | $112,258-14.4% | $66,930+43.6% |
| Participation rate | 50.7% | 68.5%-17.7pp | 75.1%-24.3pp | 69.8%-19.1pp |
| Annual return | -17.26% | -13.81%-3.5pp | 27.47%-44.7pp | 1.57%-18.8pp |
| Employer contribution / active EE | $575 | $3,006-80.9% | $3,636-84.2% | $2,545-77.4% |
| Participant deferral / active EE | $3,042 | $3,694-17.6% | $4,728-35.7% | $4,238-28.2% |
| Admin fee / account holder | $405 | $625-35.3% | $6,411-93.7% | $593-31.8% |