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| Provider | Service type | Compensation |
|---|---|---|
ASSOCIATED TRUST COMPANY, N.A.5+ years Service code 15 · EIN 30-0219031 | Recordkeeping | $17,720 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $18,467 | $40,522-54.4% | $84,637-78.2% | $67,582-72.7% |
| Participation rate | 33.8% | 51.1%-17.3pp | 68.2%-34.4pp | 71.3%-37.4pp |
| Annual return | 21.11% | 32.72%-11.6pp | 258.82%-237.7pp | 378.57%-357.5pp |
| Employer contribution / active EE | $160 | $1,146-86.0% | $2,653-94.0% | $2,148-92.5% |
| Participant deferral / active EE | $385 | $2,132-81.9% | $3,900-90.1% | $3,539-89.1% |
| Admin fee / account holder | $185 | $145+27.0% | $4,914-96.2% | $142+29.7% |