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| Provider | Service type | Compensation |
|---|---|---|
UNION BANK & TRUST COMPANY7+ years Service code 12 · EIN 47-0321480 | Trustee (bank, trust company, or simi... | $9,433 |
MATRIX CLEARANCE AND SETTLEMENT7+ years Service code 33 · EIN 13-4046432 | Sub-transfer agency fees; Securities ... | $0 |
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match 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 | $17,614 | $60,788-71.0% | $85,709-79.4% | $79,391-77.8% |
| Participation rate | 89.2% | 62.1%+27.1pp | 69.9%+19.3pp | 70.7%+18.5pp |
| Annual return | 15.10% | 16.57%-1.5pp | 21.49%-6.4pp | 116.88%-101.8pp |
| Employer contribution / active EE | $903 | $1,664-45.8% | $2,619-65.5% | $2,428-62.8% |
| Participant deferral / active EE | $2,524 | $2,920-13.6% | $3,924-35.7% | $4,046-37.6% |
| Admin fee / account holder | $45 | $439-89.8% | $6,876-99.3% | $627-92.8% |