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| Provider | Service type | Compensation |
|---|---|---|
1ST SOURCE BANK4 years Service code 15 100 NORTH MICHIGAN STREET · SOUTH BEND, IN 46601 | Recordkeeping | $28,025 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $46,926 | $34,634+35.5% | $77,081-39.1% | $64,814-27.6% |
| Participation rate | 22.4% | 49.8%-27.4pp | 67.9%-45.5pp | 71.5%-49.1pp |
| Annual return | -19.49% | -5.31%-14.2pp | 42.33%-61.8pp | 32.84%-52.3pp |
| Employer contribution / active EE | $555 | $1,385-60.0% | $2,813-80.3% | $2,507-77.9% |
| Participant deferral / active EE | $1,039 | $2,553-59.3% | $4,428-76.5% | $4,310-75.9% |
| Admin fee / account holder | $264 | $178+48.3% | $5,427-95.1% | $188+40.8% |