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| Provider | Service type | Compensation |
|---|---|---|
HEARTLAND TRUST COMPANY1+ years Service code 12 · EIN 45-0414941 | Claims processing | $7,021 |
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $26,730 | $70,667-62.2% | $123,105-78.3% | $52,331-48.9% |
| Participation rate | 75.2% | 83.7%-8.5pp | 86.8%-11.6pp | 68.1%+7.1pp |
| Annual return | 1.24% | 6.23%-5.0pp | 13.22%-12.0pp | 4.54%-3.3pp |
| Employer contribution / active EE | $0 | $2,946-100.0% | $5,151-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $0 | $4,493-100.0% | $6,229-100.0% | $3,022-100.0% |
| Admin fee / account holder | $114 | $506-77.5% | $9,014-98.7% | $592-80.7% |