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| Provider | Service type | Compensation |
|---|---|---|
ASSOCIATED TRUST COMPANY, N.A.10+ years Service code 15 · EIN 30-0219031 | Recordkeeping | $67,917 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $103,245 | $79,223+30.3% | $102,460+0.8% | $74,478+38.6% |
| Participation rate | 96.2% | 74.8%+21.4pp | 76.5%+19.7pp | 67.2%+29.0pp |
| Annual return | 11.97% | 54.98%-43.0pp | 29.47%-17.5pp | 1370.56%-1358.6pp |
| Employer contribution / active EE | $1,505 | $2,363-36.3% | $3,025-50.3% | $2,626-42.7% |
| Participant deferral / active EE | $4,035 | $4,417-8.7% | $5,056-20.2% | $4,350-7.3% |
| Admin fee / account holder | $327 | $2,003-83.7% | $9,460-96.5% | $1,946-83.2% |