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| Provider | Service type | Compensation |
|---|---|---|
ASSOCIATED TRUST COMPANY, N.A.5+ years Service code 15 · EIN 30-0219031 | Recordkeeping | $35,040 |
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 | $57,379 | $44,714+28.3% | $91,225-37.1% | $66,938-14.3% |
| Participation rate | 43.1% | 65.0%-21.9pp | 73.2%-30.1pp | 69.8%-26.8pp |
| Annual return | -18.14% | -12.25%-5.9pp | 114.12%-132.3pp | 1.58%-19.7pp |
| Employer contribution / active EE | $776 | $1,710-54.6% | $2,851-72.8% | $2,545-69.5% |
| Participant deferral / active EE | $2,139 | $3,355-36.2% | $4,233-49.5% | $4,238-49.5% |
| Admin fee / account holder | $305 | $521-41.5% | $5,422-94.4% | $594-48.7% |