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| Provider | Service type | Compensation |
|---|---|---|
CITIZENS BANK3 years Filed as: CITIZENS BANK & TRUST Service code 15 · EIN 43-0951646 | Recordkeeping | $9,293 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $14,168 | $52,961-73.2% | $172,752-91.8% | $65,185-78.3% |
| Participation rate | 29.9% | 66.2%-36.3pp | 82.6%-52.8pp | 70.2%-40.3pp |
| Annual return | 27.42% | 30.12%-2.7pp | 802.97%-775.6pp | 29.38%-2.0pp |
| Employer contribution / active EE | $112 | $2,190-94.9% | $5,144-97.8% | $2,177-94.9% |
| Participant deferral / active EE | $787 | $2,471-68.2% | $5,198-84.9% | $3,514-77.6% |
| Admin fee / account holder | $106 | $472-77.5% | $13,955-99.2% | $847-87.5% |