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| Provider | Service type | Compensation |
|---|---|---|
CHEMICAL BANK4+ years Service code 12 · EIN 38-0415896 | Claims processing; Custodial (securit... | $26,115 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $52,574 | $44,873+17.2% | $79,467-33.8% | $56,289-6.6% |
| Participation rate | 45.9% | 68.7%-22.9pp | 73.3%-27.5pp | 69.9%-24.0pp |
| Annual return | -5.42% | 0.81%-6.2pp | 718.30%-723.7pp | -9.96%+4.5pp |
| Employer contribution / active EE | $1,600 | $2,140-25.2% | $2,800-42.8% | $2,111-24.2% |
| Participant deferral / active EE | $1,282 | $2,746-53.3% | $3,704-65.4% | $3,350-61.7% |
| Admin fee / account holder | $317 | $418-24.2% | $5,104-93.8% | $521-39.2% |