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| Provider | Service type | Compensation |
|---|---|---|
BANKERS TRUST COMPANY4+ years Service code 15 · EIN 42-0127385 | Recordkeeping | $30,499 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $47,002 | $59,186-20.6% | $76,768-38.8% | $56,287-16.5% |
| Participation rate | 31.0% | 75.2%-44.2pp | 77.0%-46.0pp | 69.9%-38.9pp |
| Annual return | -7.48% | 6.62%-14.1pp | 2.43%-9.9pp | -9.96%+2.5pp |
| Employer contribution / active EE | $804 | $1,759-54.3% | $2,485-67.7% | $2,111-61.9% |
| Participant deferral / active EE | $1,445 | $3,255-55.6% | $3,852-62.5% | $3,350-56.9% |
| Admin fee / account holder | $351 | $489-28.3% | $6,675-94.7% | $521-32.7% |