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| Provider | Service type | Compensation |
|---|---|---|
Service code 21 · EIN 39-0394950 | Bank Trustee | $26,801 |
Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $82,087 | $77,677+5.7% | $109,188-24.8% | $79,389+3.4% |
| Participation rate | 57.7% | 67.8%-10.2pp | 75.9%-18.2pp | 70.7%-13.1pp |
| Annual return | 18.26% | 23.44%-5.2pp | 25.76%-7.5pp | 116.89%-98.6pp |
| Employer contribution / active EE | $1,223 | $2,798-56.3% | $3,723-67.2% | $2,428-49.6% |
| Participant deferral / active EE | $3,895 | $3,517+10.7% | $4,654-16.3% | $4,046-3.7% |
| Admin fee / account holder | $335 | $732-54.3% | $6,755-95.0% | $626-46.5% |