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| Provider | Service type | Compensation |
|---|---|---|
ASSOCIATED TRUST COMPANY, N.A.6+ years Service code 15 · EIN 30-0219031 | Recordkeeping | $34,748 |
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 | $74,478 | $51,283+45.2% | $95,740-22.2% | $71,511+4.1% |
| Participation rate | 39.6% | 63.1%-23.5pp | 72.3%-32.6pp | 67.9%-28.3pp |
| Annual return | 17.19% | 25.25%-8.1pp | 28.41%-11.2pp | 28.86%-11.7pp |
| Employer contribution / active EE | $774 | $1,817-57.4% | $2,836-72.7% | $2,589-70.1% |
| Participant deferral / active EE | $2,167 | $3,365-35.6% | $4,244-48.9% | $4,291-49.5% |
| Admin fee / account holder | $334 | $1,135-70.6% | $5,676-94.1% | $1,588-79.0% |