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| Provider | Service type | Compensation |
|---|---|---|
Filed as: COMMUNITY TRUST AND INVESTMENT CO Service code 15 · EIN 61-6209147 | Recordkeeping | $35,131 |
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.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $40,550 | $75,183-46.1% | $123,894-67.3% | $55,167-26.5% |
| Participation rate | 67.3% | 72.8%-5.5pp | 81.4%-14.1pp | 69.0%-1.7pp |
| Annual return | 8.43% | 19.01%-10.6pp | 47.52%-39.1pp | 169.23%-160.8pp |
| Employer contribution / active EE | $1,234 | $2,823-56.3% | $4,617-73.3% | $1,963-37.1% |
| Participant deferral / active EE | $3,122 | $5,084-38.6% | $5,984-47.8% | $3,054+2.2% |
| Admin fee / account holder | $386 | $663-41.7% | $8,357-95.4% | $504-23.4% |