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| Provider | Service type | Compensation |
|---|---|---|
ASSOCIATED TRUST COMPANY, N.A.4+ years Service code 15 · EIN 30-0219031 | Recordkeeping | $34,075 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $61,550 | $60,488+1.8% | $109,895-44.0% | $79,393-22.5% |
| Participation rate | 46.0% | 67.0%-21.0pp | 74.2%-28.2pp | 70.7%-24.7pp |
| Annual return | 13.60% | 189.57%-176.0pp | 29.46%-15.9pp | 116.87%-103.3pp |
| Employer contribution / active EE | $676 | $1,649-59.0% | $2,843-76.2% | $2,428-72.1% |
| Participant deferral / active EE | $2,009 | $3,220-37.6% | $4,049-50.4% | $4,046-50.3% |
| Admin fee / account holder | $266 | $605-56.0% | $6,067-95.6% | $627-57.5% |