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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $13,908 |
Filed as: FIRST CITIZENS BANK INST TRUST Service code 27 · EIN 56-0223230 | Advisory (Plan) | $12,690 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $51,591 | $35,986+43.4% | $77,513-33.4% | $73,493-29.8% |
| Participation rate | 33.8% | 40.8%-7.1pp | 54.2%-20.4pp | 70.7%-36.9pp |
| Annual return | 11.28% | 19.26%-8.0pp | 54.81%-43.5pp | 28.51%-17.2pp |
| Employer contribution / active EE | $0 | $557-100.0% | $987-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $1,547 | $1,198+29.2% | $1,861-16.9% | $3,740-58.6% |
| Admin fee / account holder | $368 | $466-21.0% | $2,859-87.1% | $513-28.2% |