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| Provider | Service type | Compensation |
|---|---|---|
PEOPLES BANK1+ years Service code 21 · EIN 42-0624950 | Bank Trustee | $49,417 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Assets per participant exceed $250,000 - top-decile high-value plan.
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 | $279,484 | $37,117+653.0% | $147,617+89.3% | $55,191+406.4% |
| Participation rate | 0.0% | 63.6%-63.6pp | 84.6%-84.6pp | 69.2%-69.2pp |
| Annual return | -0.19% | 3.44%-3.6pp | 61.98%-62.2pp | 10.78%-11.0pp |
| Employer contribution / active EE | $716 | $1,620-55.8% | $5,564-87.1% | $1,899-62.3% |
| Participant deferral / active EE | $913 | $1,985-54.0% | $4,895-81.4% | $3,046-70.0% |
| Admin fee / account holder | $1,259 | $86+1371.6% | $11,612-89.2% | $91+1287.1% |