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| Provider | Service type | Compensation |
|---|---|---|
CITIZENS & NORTHERN BANK2 years Service code 15 · EIN 24-0756925 | Recordkeeping | $34,002 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $89,212 | $78,423+13.8% | $95,964-7.0% | $79,856+11.7% |
| Participation rate | 80.7% | 73.5%+7.2pp | 77.1%+3.6pp | 69.6%+11.0pp |
| Annual return | 12.01% | 19.37%-7.4pp | 91.64%-79.6pp | 31.71%-19.7pp |
| Employer contribution / active EE | $1,859 | $1,945-4.4% | $2,541-26.9% | $2,471-24.8% |
| Participant deferral / active EE | $3,817 | $3,440+10.9% | $4,167-8.4% | $3,741+2.0% |
| Admin fee / account holder | $321 | $5,622-94.3% | $6,797-95.3% | $5,306-94.0% |