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| Provider | Service type | Compensation |
|---|---|---|
Filed as: EMPOWER ANNUITY INSURANCE CO Service code 64 · EIN 84-0467907 | Recordkeeping Fees | $15,658 |
WESBANCO BANK INC1 year Filed as: WESBANCO BANK INC. Service code 25 1 BANK PLAZA · WHEELING, WV 26003 | Directed Trustee | $7,064 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $15,337 | $50,860-69.8% | $155,574-90.1% | $77,714-80.3% |
| Participation rate | 28.4% | 63.1%-34.7pp | 78.2%-49.8pp | 70.6%-42.1pp |
| Annual return | 16.31% | 34.86%-18.6pp | 64.87%-48.6pp | 31.26%-14.9pp |
| Employer contribution / active EE | $361 | $1,991-81.9% | $4,676-92.3% | $2,727-86.8% |
| Participant deferral / active EE | $576 | $2,825-79.6% | $5,629-89.8% | $4,649-87.6% |
| Admin fee / account holder | $154 | $436-64.7% | $15,914-99.0% | $433-64.5% |