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| Provider | Service type | Compensation |
|---|---|---|
CITIZENS & NORTHERN BANK10+ years Service code 15 · EIN 24-0756925 90-92 MAIN STREET · WELLSBORO, PA 16901 | Recordkeeping | $39,526 |
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.
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 | $112,982 | $79,223+42.6% | $102,460+10.3% | $74,478+51.7% |
| Participation rate | 87.0% | 74.8%+12.2pp | 76.5%+10.5pp | 67.2%+19.8pp |
| Annual return | 12.89% | 54.98%-42.1pp | 29.47%-16.6pp | 1370.56%-1357.7pp |
| Employer contribution / active EE | $4,157 | $2,363+75.9% | $3,025+37.4% | $2,626+58.3% |
| Participant deferral / active EE | $5,403 | $4,417+22.3% | $5,056+6.9% | $4,350+24.2% |
| Admin fee / account holder | $395 | $2,003-80.3% | $9,460-95.8% | $1,946-79.7% |