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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $24,407 |
PNC BANK, N.A.2 years Filed as: PNC BANK NATIONAL ASSOCIATION Service code 27 · EIN 22-1146430 | Advisory (Plan) | $11,394 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $79,562 | $65,904+20.7% | $160,784-50.5% | $79,634-0.1% |
| Participation rate | 21.5% | 56.2%-34.7pp | 77.0%-55.4pp | 62.5%-40.9pp |
| Annual return | 12.80% | 20.16%-7.4pp | 1803.92%-1791.1pp | 36.46%-23.7pp |
| Employer contribution / active EE | $294 | $1,805-83.7% | $3,733-92.1% | $2,529-88.4% |
| Participant deferral / active EE | $1,651 | $3,692-55.3% | $6,293-73.8% | $3,835-56.9% |
| Admin fee / account holder | $367 | $965-61.9% | $9,717-96.2% | $1,002-63.3% |