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| Provider | Service type | Compensation |
|---|---|---|
PEOPLES BANK3 years Service code 15 · EIN 31-1278433 | Recordkeeping | $19,673 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $31,723 | $54,590-41.9% | $81,726-61.2% | $73,497-56.8% |
| Participation rate | 41.1% | 68.3%-27.2pp | 72.0%-30.9pp | 70.7%-29.6pp |
| Annual return | 13.25% | 17.74%-4.5pp | 29.49%-16.2pp | 28.51%-15.3pp |
| Employer contribution / active EE | $233 | $1,636-85.8% | $4,311-94.6% | $2,270-89.8% |
| Participant deferral / active EE | $1,321 | $2,759-52.1% | $7,108-81.4% | $3,740-64.7% |
| Admin fee / account holder | $201 | $592-66.1% | $5,160-96.1% | $513-60.8% |