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| Provider | Service type | Compensation |
|---|---|---|
CITIZENS & NORTHERN BANK4 years Service code 15 · EIN 24-0756925 90-92 MAIN STREET · WELLSBORO, PA 16901 | Recordkeeping | $12,011 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $11,558 | $65,453-82.3% | $86,698-86.7% | $66,938-82.7% |
| Participation rate | 43.3% | 75.5%-32.1pp | 76.6%-33.3pp | 69.8%-26.5pp |
| Annual return | -16.98% | -10.89%-6.1pp | 35.95%-52.9pp | 1.58%-18.6pp |
| Employer contribution / active EE | $1,039 | $2,154-51.7% | $2,837-63.4% | $2,545-59.2% |
| Participant deferral / active EE | $1,523 | $4,102-62.9% | $4,656-67.3% | $4,238-64.1% |
| Admin fee / account holder | $98 | $642-84.7% | $7,493-98.7% | $594-83.4% |