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| Provider | Service type | Compensation |
|---|---|---|
FIRST NATIONAL TRUST COMPANY2+ years Service code 21 1 FNB BOULEVARD · HERMITAGE, PA 16148 | Bank Trustee | $30,463 |
ALERUS FINANCIAL, N.A.2+ years Service code 15 · EIN 45-6062081 | Recordkeeping | $8,937 |
DUNBAR, BENDER & ZAPF, INC.1+ years Filed as: DUNBAR, BENDER & ZAPF, INC Service code 13 · EIN 25-1650062 | Contract Administrator | $6,730 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $22,041 | $75,183-70.7% | $123,894-82.2% | $55,167-60.0% |
| Participation rate | 63.0% | 72.8%-9.8pp | 81.4%-18.4pp | 69.0%-6.0pp |
| Annual return | 9.99% | 19.01%-9.0pp | 47.52%-37.5pp | 169.23%-159.2pp |
| Employer contribution / active EE | $1,523 | $2,823-46.1% | $4,617-67.0% | $1,963-22.4% |
| Participant deferral / active EE | $2,409 | $5,084-52.6% | $5,984-59.7% | $3,054-21.1% |
| Admin fee / account holder | $210 | $663-68.4% | $8,357-97.5% | $504-58.4% |