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| Provider | Service type | Compensation |
|---|---|---|
ASSOCIATED TRUST COMPANY, N.A.11+ years Service code 15 · EIN 30-0219031 | Recordkeeping | $29,532 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $36,517 | $45,312-19.4% | $86,233-57.7% | $67,986-46.3% |
| Participation rate | 31.0% | 42.4%-11.5pp | 69.0%-38.1pp | 57.2%-26.2pp |
| Annual return | 13.62% | 24.79%-11.2pp | 61.39%-47.8pp | 31.67%-18.0pp |
| Employer contribution / active EE | $242 | $1,160-79.2% | $2,504-90.3% | $2,019-88.0% |
| Participant deferral / active EE | $711 | $2,185-67.5% | $4,559-84.4% | $3,358-78.8% |
| Admin fee / account holder | $298 | $3,295-90.9% | $8,342-96.4% | $3,203-90.7% |