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| Provider | Service type | Compensation |
|---|---|---|
ASSOCIATED TRUST COMPANY, N.A.7+ years Service code 15 · EIN 30-0219031 | Recordkeeping | $36,679 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $78,483 | $59,006+33.0% | $97,295-19.3% | $74,478+5.4% |
| Participation rate | 39.9% | 63.7%-23.8pp | 72.7%-32.8pp | 67.2%-27.3pp |
| Annual return | 12.29% | 16.04%-3.8pp | 75.62%-63.3pp | 1370.56%-1358.3pp |
| Employer contribution / active EE | $589 | $1,894-68.9% | $2,723-78.4% | $2,626-77.6% |
| Participant deferral / active EE | $2,081 | $3,671-43.3% | $4,264-51.2% | $4,350-52.2% |
| Admin fee / account holder | $360 | $1,974-81.8% | $5,646-93.6% | $1,946-81.5% |