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| Provider | Service type | Compensation |
|---|---|---|
ASSOCIATED TRUST COMPANY, N.A.4+ years Service code 15 · EIN 30-0219031 | Recordkeeping | $60,201 |
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).
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 | $91,930 | $66,302+38.7% | $110,243-16.6% | $56,287+63.3% |
| Participation rate | 68.8% | 74.9%-6.2pp | 79.8%-11.1pp | 69.9%-1.1pp |
| Annual return | -6.54% | -1.18%-5.4pp | 314.76%-321.3pp | -9.96%+3.4pp |
| Employer contribution / active EE | $934 | $2,047-54.4% | $3,827-75.6% | $2,111-55.8% |
| Participant deferral / active EE | $2,986 | $3,381-11.7% | $4,672-36.1% | $3,350-10.9% |
| Admin fee / account holder | $523 | $698-25.1% | $8,548-93.9% | $521+0.5% |