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| Provider | Service type | Compensation |
|---|---|---|
EXCHANGE BANK3 years Service code 21 · EIN 68-0301626 | Bank Trustee | $54,616 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $50,664 | $82,674-38.7% | $125,363-59.6% | $68,495-26.0% |
| Participation rate | 86.6% | 75.0%+11.5pp | 82.4%+4.2pp | 67.9%+18.7pp |
| Annual return | -19.42% | -5.97%-13.4pp | 572.15%-591.6pp | -7.84%-11.6pp |
| Employer contribution / active EE | $4,907 | $3,382+45.1% | $4,815+1.9% | $2,596+89.0% |
| Participant deferral / active EE | $3,313 | $6,111-45.8% | $7,447-55.5% | $4,028-17.8% |
| Admin fee / account holder | $455 | $6,276-92.7% | $10,005-95.5% | $5,403-91.6% |