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| Provider | Service type | Compensation |
|---|---|---|
BENEFIT TRUST COMPANY7+ years Filed as: BENEFIT TRUST CO Service code 21 · EIN 41-2112888 | Bank Trustee | $33,517 |
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 | $87,537 | $59,267+47.7% | $96,575-9.4% | $79,393+10.3% |
| Participation rate | 57.9% | 61.9%-4.0pp | 69.8%-11.9pp | 70.7%-12.8pp |
| Annual return | 13.39% | 27.08%-13.7pp | 37.79%-24.4pp | 116.87%-103.5pp |
| Employer contribution / active EE | $346 | $1,216-71.5% | $2,357-85.3% | $2,428-85.7% |
| Participant deferral / active EE | $2,338 | $2,947-20.7% | $3,849-39.3% | $4,046-42.2% |
| Admin fee / account holder | $315 | $659-52.2% | $6,182-94.9% | $627-49.7% |