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| Provider | Service type | Compensation |
|---|---|---|
FIRST NATIONAL TRUST COMPANY5 years Service code 12 · EIN 20-0433578 | Investment advisory (plan); Custodial... | $53,696 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $43,172 | $59,448-27.4% | $93,696-53.9% | $74,459-42.0% |
| Participation rate | 67.8% | 59.6%+8.2pp | 68.7%-0.9pp | 67.2%+0.6pp |
| Annual return | 11.99% | 82.11%-70.1pp | 133.74%-121.8pp | 1369.70%-1357.7pp |
| Employer contribution / active EE | $391 | $1,266-69.1% | $2,422-83.9% | $2,626-85.1% |
| Participant deferral / active EE | $3,909 | $3,052+28.1% | $4,417-11.5% | $4,350-10.1% |
| Admin fee / account holder | $312 | $3,027-89.7% | $8,287-96.2% | $1,945-83.9% |