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| Provider | Service type | Compensation |
|---|---|---|
Filed as: FULTON BANK N.A. Service code 15 · EIN 23-1928421 | Recordkeeping | $58,663 |
Service code 10 · EIN 23-2327390 | Accounting | $9,000 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $30,165 | $35,485-15.0% | $74,551-59.5% | $55,725-45.9% |
| Participation rate | 57.3% | 62.5%-5.2pp | 69.1%-11.8pp | 70.9%-13.5pp |
| Annual return | -5.29% | 0.72%-6.0pp | 32.53%-37.8pp | 244.93%-250.2pp |
| Employer contribution / active EE | $76 | $777-90.2% | $1,961-96.1% | $2,078-96.3% |
| Participant deferral / active EE | $2,248 | $2,181+3.1% | $3,108-27.7% | $3,356-33.0% |
| Admin fee / account holder | $252 | $114+120.8% | $5,059-95.0% | $115+119.2% |