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| Provider | Service type | Compensation |
|---|---|---|
PNC BANK, N.A.4+ years Service code 25 · EIN 22-1146430 | Directed Trustee | $40,533 |
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.)
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 | $63,847 | $59,186+7.9% | $76,766-16.8% | $56,287+13.4% |
| Participation rate | 50.5% | 75.2%-24.7pp | 77.0%-26.5pp | 69.9%-19.3pp |
| Annual return | -2.76% | 6.62%-9.4pp | 2.43%-5.2pp | -9.96%+7.2pp |
| Employer contribution / active EE | $484 | $1,759-72.5% | $2,485-80.5% | $2,111-77.1% |
| Participant deferral / active EE | $1,882 | $3,255-42.2% | $3,851-51.1% | $3,350-43.8% |
| Admin fee / account holder | $346 | $489-29.2% | $6,675-94.8% | $521-33.5% |