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| Provider | Service type | Compensation |
|---|---|---|
FULTON FINANCIAL ADVISORS3+ years Service code 15 · EIN 23-1928421 | Recordkeeping | $26,414 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $71,809 | $58,726+22.3% | $92,240-22.2% | $62,293+15.3% |
| Participation rate | 58.4% | 68.3%-9.9pp | 76.5%-18.1pp | 69.5%-11.1pp |
| Annual return | 8.64% | 43.62%-35.0pp | 176.29%-167.7pp | 28.90%-20.3pp |
| Employer contribution / active EE | $264 | $2,392-89.0% | $3,680-92.8% | $2,042-87.1% |
| Participant deferral / active EE | $1,735 | $2,766-37.3% | $3,897-55.5% | $3,169-45.3% |
| Admin fee / account holder | $371 | $556-33.4% | $5,194-92.9% | $479-22.6% |