Filed January 3, 2022
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| Provider | Service type | Compensation |
|---|---|---|
ASSOCIATED TRUST COMPANY, N.A.8+ years Service code 15 · EIN 30-0219031 | Recordkeeping | $37,940 |
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 | $52,858 | $63,471-16.7% | $68,803-23.2% | $66,949-21.0% |
| Participation rate | 77.6% | 60.0%+17.6pp | 69.0%+8.6pp | 69.8%+7.8pp |
| Annual return | -17.89% | -8.29%-9.6pp | -6.37%-11.5pp | 1.57%-19.5pp |
| Employer contribution / active EE | $567 | $1,776-68.1% | $2,656-78.6% | $2,545-77.7% |
| Participant deferral / active EE | $3,089 | $2,946+4.9% | $3,942-21.6% | $4,239-27.1% |
| Admin fee / account holder | $322 | $578-44.4% | $4,936-93.5% | $594-45.8% |