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| Provider | Service type | Compensation |
|---|---|---|
BB&T2+ years Filed as: BB & T Service code 21 · EIN 56-1368984 | Bank Trustee | $17,955 |
TORRILLO & ASSOCIATES, LLC2+ years Filed as: BOYER & RITTER LLC Service code 10 · EIN 23-1311005 | Accounting | $10,900 |
BB&T2+ years Service code 52 | Indirect Investment Fees | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $25,708 | $32,425-20.7% | $74,577-65.5% | $55,167-53.4% |
| Participation rate | 24.0% | 54.0%-30.0pp | 68.1%-44.1pp | 69.0%-45.0pp |
| Annual return | 3.48% | 10.63%-7.2pp | 20.47%-17.0pp | 169.23%-165.8pp |
| Employer contribution / active EE | $242 | $1,043-76.9% | $2,525-90.4% | $1,963-87.7% |
| Participant deferral / active EE | $404 | $1,995-79.8% | $3,458-88.3% | $3,054-86.8% |
| Admin fee / account holder | $545 | $748-27.2% | $4,138-86.8% | $504+8.2% |