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| Provider | Service type | Compensation |
|---|---|---|
CITIZEN NATIONAL BANK3 years Service code 26 · EIN 64-0774745 | Advisory (Participants) | $7,813 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $649 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $29,379 | $74,706-60.7% | $75,731-61.2% | $79,389-63.0% |
| Participation rate | 36.6% | 75.3%-38.8pp | 74.8%-38.3pp | 70.7%-34.2pp |
| Annual return | 13.97% | 18.52%-4.6pp | 104.65%-90.7pp | 116.89%-102.9pp |
| Employer contribution / active EE | $0 | $2,590-100.0% | $2,743-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $1,396 | $3,533-60.5% | $3,820-63.4% | $4,046-65.5% |
| Admin fee / account holder | $363 | $374-3.1% | $3,620-90.0% | $626-42.1% |