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| Provider | Service type | Compensation |
|---|---|---|
UNION BANK & TRUST COMPANY2+ years Filed as: UNION BANK AND TRUST COMPANY Service code 12 · EIN 47-0321480 | Recordkeeping and information managem... | $24,648 |
CAMBRIDGE INVESTMENT RESEARCH2+ years Filed as: CAMBRIDGE INVESTMENT RESEARCH, INC. Service code 27 · EIN 42-1445429 | Advisory (Plan) | $20,783 |
MATRIX CLEARANCE AND SETTLEMENT2+ 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.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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).
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 | $67,850 | $56,171+20.8% | $108,745-37.6% | $55,167+23.0% |
| Participation rate | 25.5% | 70.7%-45.2pp | 77.7%-52.2pp | 69.0%-43.5pp |
| Annual return | 7.76% | 214.86%-207.1pp | 46.22%-38.5pp | 169.23%-161.5pp |
| Employer contribution / active EE | $766 | $2,153-64.4% | $3,323-76.9% | $1,963-61.0% |
| Participant deferral / active EE | $1,351 | $3,437-60.7% | $5,121-73.6% | $3,054-55.8% |
| Admin fee / account holder | $668 | $302+121.5% | $6,144-89.1% | $504+32.6% |