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| Provider | Service type | Compensation |
|---|---|---|
ASSOCIATED TRUST COMPANY, N.A.7+ years Service code 15 · EIN 30-0219031 | Recordkeeping | $98,041 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $111,054 | $185,342-40.1% | $111,306-0.2% | $86,821+27.9% |
| Participation rate | 66.3% | 81.0%-14.7pp | 77.3%-11.0pp | 72.3%-6.0pp |
| Annual return | 14.65% | 500.80%-486.2pp | 54.67%-40.0pp | 97.94%-83.3pp |
| Employer contribution / active EE | $1,262 | $2,246-43.8% | $2,732-53.8% | $2,406-47.5% |
| Participant deferral / active EE | $3,153 | $4,458-29.3% | $4,488-29.7% | $4,132-23.7% |
| Admin fee / account holder | $307 | $255+20.3% | $7,966-96.1% | $170+81.2% |