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| Provider | Service type | Compensation |
|---|---|---|
Filed as: COMMUNITY TRUST AND INVESTMENT CO Service code 15 · EIN 61-6209147 | Recordkeeping | $37,876 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $45,013 | $80,753-44.3% | $136,297-67.0% | $62,293-27.7% |
| Participation rate | 54.9% | 73.5%-18.6pp | 81.9%-27.0pp | 69.5%-14.6pp |
| Annual return | 16.13% | 35.83%-19.7pp | 5156.16%-5140.0pp | 28.90%-12.8pp |
| Employer contribution / active EE | $1,159 | $2,884-59.8% | $4,696-75.3% | $2,042-43.2% |
| Participant deferral / active EE | $2,750 | $5,164-46.8% | $6,247-56.0% | $3,169-13.2% |
| Admin fee / account holder | $371 | $525-29.3% | $9,244-96.0% | $479-22.5% |