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| Provider | Service type | Compensation |
|---|---|---|
BELL BANK8 years Service code 15 · EIN 45-0283315 | Recordkeeping | $27,265 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $55,792 | $79,181-29.5% | $102,423-45.5% | $74,429-25.0% |
| Participation rate | 86.1% | 74.8%+11.3pp | 76.5%+9.6pp | 67.2%+18.9pp |
| Annual return | 14.25% | 54.97%-40.7pp | 29.42%-15.2pp | 1368.38%-1354.1pp |
| Employer contribution / active EE | $731 | $2,362-69.1% | $3,023-75.8% | $2,625-72.2% |
| Participant deferral / active EE | $3,961 | $4,416-10.3% | $5,054-21.6% | $4,348-8.9% |
| Admin fee / account holder | $218 | $2,002-89.1% | $9,455-97.7% | $1,944-88.8% |