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| Provider | Service type | Compensation |
|---|---|---|
ASSOCIATED TRUST COMPANY, N.A.6+ years Service code 15 · EIN 30-0219031 | Recordkeeping | $13,956 |
Filed as: STEPHENSON NATIONAL BANK AND TRUST Service code 99 · EIN 39-0638020 | Other Fees | $13,399 |
Service code 64 · EIN 71-0294708 | Recordkeeping Fees | $1,000 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $3,821,659 | $78,425+4773.0% | $95,956+3882.7% | $79,858+4685.6% |
| Participation rate | 0.0% | 73.5%-73.5pp | 77.1%-77.1pp | 69.6%-69.6pp |
| Annual return | 16.47% | 19.37%-2.9pp | 91.63%-75.2pp | 31.72%-15.2pp |
| Employer contribution / active EE | $589 | $1,945-69.7% | $2,541-76.8% | $2,471-76.1% |
| Participant deferral / active EE | $1,449 | $3,440-57.9% | $4,167-65.2% | $3,740-61.3% |
| Admin fee / account holder | $14,956 | $5,622+166.0% | $6,797+120.0% | $5,306+181.9% |