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| Provider | Service type | Compensation |
|---|---|---|
ASSOCIATED TRUST COMPANY, N.A.8+ years Service code 15 · EIN 30-0219031 | Recordkeeping | $38,199 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $81,988 | $55,371+48.1% | $95,585-14.2% | $74,304+10.3% |
| Participation rate | 39.8% | 53.8%-14.0pp | 72.1%-32.3pp | 60.3%-20.5pp |
| Annual return | 13.00% | 24.26%-11.3pp | 38.56%-25.6pp | 29.43%-16.4pp |
| Employer contribution / active EE | $570 | $1,437-60.3% | $2,527-77.4% | $2,241-74.6% |
| Participant deferral / active EE | $1,872 | $2,955-36.6% | $4,023-53.5% | $3,767-50.3% |
| Admin fee / account holder | $378 | $2,620-85.6% | $6,127-93.8% | $2,969-87.3% |