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| Provider | Service type | Compensation |
|---|---|---|
ASSOCIATED TRUST COMPANY, N.A.9+ years Service code 15 · EIN 30-0219031 | Recordkeeping | $6,418 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $9,387 | $61,356-84.7% | $149,696-93.7% | $71,511-86.9% |
| Participation rate | 66.2% | 62.5%+3.6pp | 78.8%-12.6pp | 67.9%-1.8pp |
| Annual return | 20.25% | 35.86%-15.6pp | 134.46%-114.2pp | 28.86%-8.6pp |
| Employer contribution / active EE | $0 | $2,382-100.0% | $4,821-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $982 | $2,920-66.4% | $5,682-82.7% | $4,291-77.1% |
| Admin fee / account holder | $38 | $1,263-97.0% | $13,212-99.7% | $1,588-97.6% |