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| Provider | Service type | Compensation |
|---|---|---|
ASSOCIATED TRUST COMPANY, N.A.3+ years Service code 15 · EIN 30-0219031 | Recordkeeping | $48,859 |
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 | $86,020 | $64,909+32.5% | $82,313+4.5% | $62,293+38.1% |
| Participation rate | 47.2% | 74.9%-27.7pp | 76.9%-29.7pp | 69.5%-22.3pp |
| Annual return | 15.93% | 21.18%-5.3pp | 25.88%-9.9pp | 28.90%-13.0pp |
| Employer contribution / active EE | $697 | $1,676-58.4% | $2,428-71.3% | $2,042-65.9% |
| Participant deferral / active EE | $2,141 | $3,103-31.0% | $3,706-42.2% | $3,169-32.4% |
| Admin fee / account holder | $344 | $440-21.7% | $5,608-93.9% | $479-28.2% |