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| Provider | Service type | Compensation |
|---|---|---|
RELIANCE TRUST COMPANY2 years Filed as: RELIANCE TRUST Service code 15 · EIN 45-6062081 | Recordkeeping | $3,877 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $43,245 | $49,451-12.5% | $79,576-45.7% | $66,930-35.4% |
| Participation rate | 61.8% | 61.3%+0.4pp | 69.5%-7.7pp | 69.8%-8.0pp |
| Annual return | -14.86% | 84.25%-99.1pp | 0.15%-15.0pp | 1.57%-16.4pp |
| Employer contribution / active EE | $904 | $1,266-28.5% | $2,413-62.5% | $2,545-64.5% |
| Participant deferral / active EE | $4,346 | $3,159+37.6% | $3,985+9.1% | $4,238+2.6% |
| Admin fee / account holder | $518 | $595-12.9% | $6,834-92.4% | $593-12.8% |