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| Provider | Service type | Compensation |
|---|---|---|
FIRST WESTERN TRUST BANK2 years Service code 27 · EIN 27-0083757 | Advisory (Plan) | $9,765 |
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $2,809 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $27,761 | $91,559-69.7% | $133,978-79.3% | $79,856-65.2% |
| Participation rate | 91.8% | 73.3%+18.5pp | 79.8%+12.0pp | 69.6%+22.2pp |
| Annual return | 14.97% | 61.85%-46.9pp | 45.10%-30.1pp | 31.71%-16.7pp |
| Employer contribution / active EE | $460 | $2,384-80.7% | $3,919-88.3% | $2,471-81.4% |
| Participant deferral / active EE | $2,778 | $3,734-25.6% | $5,047-45.0% | $3,741-25.7% |
| Admin fee / account holder | $120 | $6,321-98.1% | $8,930-98.7% | $5,306-97.7% |