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| Provider | Service type | Compensation |
|---|---|---|
Filed as: ALPINE BANK & TRUST CO. Service code 15 · EIN 36-2476850 | Recordkeeping | $10,418 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $76,301 | $58,726+29.9% | $92,240-17.3% | $62,293+22.5% |
| Participation rate | 9.4% | 68.3%-59.0pp | 76.5%-67.1pp | 69.5%-60.1pp |
| Annual return | 20.92% | 43.62%-22.7pp | 176.29%-155.4pp | 28.90%-8.0pp |
| Employer contribution / active EE | $0 | $2,392-100.0% | $3,680-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $376 | $2,766-86.4% | $3,897-90.4% | $3,169-88.1% |
| Admin fee / account holder | $613 | $556+10.1% | $5,194-88.2% | $479+27.8% |