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| Provider | Service type | Compensation |
|---|---|---|
ASSOCIATED TRUST COMPANY, N.A.2+ years Service code 15 · EIN 30-0219031 | Recordkeeping | $44,130 |
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.)
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 | $82,227 | $60,165+36.7% | $74,184+10.8% | $55,167+49.1% |
| Participation rate | 45.9% | 74.2%-28.2pp | 76.6%-30.7pp | 69.0%-23.1pp |
| Annual return | 6.50% | 10.00%-3.5pp | 17.74%-11.2pp | 169.23%-162.7pp |
| Employer contribution / active EE | $708 | $1,600-55.7% | $2,370-70.1% | $1,963-63.9% |
| Participant deferral / active EE | $2,079 | $2,973-30.1% | $3,550-41.4% | $3,054-31.9% |
| Admin fee / account holder | $324 | $419-22.6% | $5,586-94.2% | $504-35.6% |