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| Provider | Service type | Compensation |
|---|---|---|
FULTON FINANCIAL ADVISORS7 years Filed as: FULTON BANK N.A. Service code 15 · EIN 23-1928421 | Recordkeeping | $64,429 |
Service code 10 · EIN 23-2327390 | Accounting | $10,500 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $61,282 | $54,193+13.1% | $93,669-34.6% | $77,714-21.1% |
| Participation rate | 33.2% | 63.9%-30.7pp | 68.7%-35.5pp | 70.6%-37.4pp |
| Annual return | 16.55% | 30.54%-14.0pp | 133.59%-117.0pp | 31.26%-14.7pp |
| Employer contribution / active EE | $75 | $1,168-93.6% | $2,424-96.9% | $2,727-97.3% |
| Participant deferral / active EE | $2,218 | $3,144-29.4% | $4,416-49.8% | $4,649-52.3% |
| Admin fee / account holder | $338 | $576-41.4% | $8,291-95.9% | $433-22.1% |