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| Provider | Service type | Compensation |
|---|---|---|
UNION BANK & TRUST COMPANY1+ years Service code 12 · EIN 47-0321480 | Participant communication; Trustee (b... | $27,481 |
Service code 64 · EIN 84-0467907 | Recordkeeping Fees | $0 |
MATRIX CLEARANCE AND SETTLEMENT1+ years Service code 33 · EIN 13-4046432 | Sub-transfer agency fees; Securities ... | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $60,073 | $45,283+32.7% | $155,789-61.4% | $52,331+14.8% |
| Participation rate | 28.3% | 62.2%-33.9pp | 76.1%-47.8pp | 68.1%-39.8pp |
| Annual return | -0.10% | 1.80%-1.9pp | 71.54%-71.6pp | 4.54%-4.6pp |
| Employer contribution / active EE | $542 | $1,329-59.2% | $3,839-85.9% | $1,882-71.2% |
| Participant deferral / active EE | $1,227 | $2,854-57.0% | $4,798-74.4% | $3,022-59.4% |
| Admin fee / account holder | $477 | $981-51.4% | $7,477-93.6% | $592-19.4% |