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| Provider | Service type | Compensation |
|---|---|---|
UNION BANK & TRUST COMPANY4+ years Service code 12 · EIN 47-6174009 | Trustee (bank, trust company, or simi... | $57,337 |
MATRIX CLEARANCE AND SETTLEMENT4+ years Service code 33 · EIN 13-4046432 | Sub-transfer agency fees; Securities ... | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $73,216 | $47,977+52.6% | $154,111-52.5% | $56,287+30.1% |
| Participation rate | 87.0% | 66.2%+20.9pp | 83.0%+4.0pp | 69.9%+17.2pp |
| Annual return | -2.98% | 3.54%-6.5pp | 735.18%-738.2pp | -9.96%+7.0pp |
| Employer contribution / active EE | $3,727 | $2,169+71.9% | $5,298-29.6% | $2,111+76.6% |
| Participant deferral / active EE | $2,501 | $2,392+4.6% | $5,081-50.8% | $3,350-25.3% |
| Admin fee / account holder | $448 | $438+2.2% | $13,411-96.7% | $521-14.0% |