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| Provider | Service type | Compensation |
|---|---|---|
ENTERPRISE BANK & TRUST3 years Service code 27 · EIN 43-1472619 | Advisory (Plan) | $54,580 |
Service code 37 · EIN 04-2647786 | Loan Processing | $18,181 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $81,955 | $88,183-7.1% | $107,187-23.5% | $71,012+15.4% |
| Participation rate | 65.2% | 67.5%-2.3pp | 75.0%-9.8pp | 58.6%+6.7pp |
| Annual return | 12.53% | 16.47%-3.9pp | 204.55%-192.0pp | 37.67%-25.1pp |
| Employer contribution / active EE | $1,686 | $3,914-56.9% | $3,782-55.4% | $2,348-28.2% |
| Participant deferral / active EE | $5,548 | $3,079+80.2% | $5,096+8.9% | $3,246+70.9% |
| Admin fee / account holder | $236 | $1,430-83.5% | $9,162-97.4% | $1,167-79.8% |