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| Provider | Service type | Compensation |
|---|---|---|
PEOPLES BANK10+ years Service code 21 · EIN 42-0624950 | Bank Trustee | $110,891 |
AMERICAN REALTY ADVISORS4 years Filed as: AMERICAN TRUST COMPANY Service code 15 · EIN 62-0951563 | Recordkeeping | $29,537 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $65,613 | $50,820+29.1% | $155,567-57.8% | $77,671-15.5% |
| Participation rate | 43.0% | 63.1%-20.2pp | 78.2%-35.2pp | 70.6%-27.6pp |
| Annual return | 14.22% | 34.85%-20.6pp | 64.74%-50.5pp | 31.21%-17.0pp |
| Employer contribution / active EE | $1,676 | $1,993-15.9% | $4,674-64.1% | $2,726-38.5% |
| Participant deferral / active EE | $1,785 | $2,823-36.8% | $5,628-68.3% | $4,648-61.6% |
| Admin fee / account holder | $352 | $436-19.3% | $15,916-97.8% | $430-18.2% |