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| Provider | Service type | Compensation |
|---|---|---|
CITIZENS & NORTHERN BANK5 years Service code 15 · EIN 24-0756925 90-92 MAIN STREET · WELLSBORO, PA 16901 | Recordkeeping | $16,711 |
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 | $23,661 | $76,112-68.9% | $96,534-75.5% | $71,511-66.9% |
| Participation rate | 33.8% | 74.4%-40.6pp | 76.0%-42.2pp | 67.9%-34.2pp |
| Annual return | 15.18% | 22.81%-7.6pp | 25.88%-10.7pp | 28.86%-13.7pp |
| Employer contribution / active EE | $810 | $2,248-64.0% | $2,965-72.7% | $2,589-68.7% |
| Participant deferral / active EE | $1,209 | $4,217-71.3% | $4,851-75.1% | $4,291-71.8% |
| Admin fee / account holder | $223 | $2,708-91.8% | $8,253-97.3% | $1,588-86.0% |