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| Provider | Service type | Compensation |
|---|---|---|
UNION BANK & TRUST COMPANY9+ years Service code 12 · EIN 47-0321480 | Claims processing; Sub-transfer agenc... | $8,088 |
MATRIX CLEARANCE AND SETTLEMENT9+ years Service code 33 · EIN 13-4046432 | Sub-transfer agency fees; Securities ... | $0 |
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 | $15,525 | $51,207-69.7% | $70,565-78.0% | $71,529-78.3% |
| Participation rate | 81.0% | 59.4%+21.6pp | 68.4%+12.7pp | 67.9%+13.1pp |
| Annual return | 21.90% | 42.71%-20.8pp | 32.79%-10.9pp | 28.97%-7.1pp |
| Employer contribution / active EE | $500 | $1,795-72.1% | $2,976-83.2% | $2,590-80.7% |
| Participant deferral / active EE | $2,504 | $3,033-17.4% | $4,568-45.2% | $4,291-41.6% |
| Admin fee / account holder | $34 | $2,002-98.3% | $6,430-99.5% | $1,588-97.8% |