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| Provider | Service type | Compensation |
|---|---|---|
ASSOCIATED TRUST COMPANY, N.A.1+ years Service code 15 · EIN 30-0219031 | Recordkeeping | $20,070 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return 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.
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 | $18,041 | $47,969-62.4% | $85,969-79.0% | $52,331-65.5% |
| Participation rate | 44.4% | 61.7%-17.3pp | 76.5%-32.1pp | 68.1%-23.7pp |
| Annual return | -2.40% | -0.13%-2.3pp | 9.32%-11.7pp | 4.54%-6.9pp |
| Employer contribution / active EE | $219 | $1,460-85.0% | $3,474-93.7% | $1,882-88.4% |
| Participant deferral / active EE | $1,411 | $2,110-33.1% | $3,829-63.2% | $3,022-53.3% |
| Admin fee / account holder | $384 | $530-27.5% | $6,053-93.7% | $592-35.1% |