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| Provider | Service type | Compensation |
|---|---|---|
HEARTLAND TRUST COMPANY4+ years Service code 12 · EIN 45-0414941 | Claims processing | $4,695 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $22,454 | $79,523-71.8% | $140,019-84.0% | $56,287-60.1% |
| Participation rate | 57.9% | 85.7%-27.8pp | 87.5%-29.6pp | 69.9%-12.0pp |
| Annual return | -1.81% | 2.39%-4.2pp | 651.15%-653.0pp | -9.96%+8.1pp |
| Employer contribution / active EE | $0 | $3,350-100.0% | $5,605-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $0 | $5,129-100.0% | $6,927-100.0% | $3,350-100.0% |
| Admin fee / account holder | $126 | $614-79.5% | $10,705-98.8% | $521-75.9% |