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| Provider | Service type | Compensation |
|---|---|---|
CITIZENS & NORTHERN BANK9+ years Service code 15 · EIN 24-0756925 | Recordkeeping | $37,724 |
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 | $94,850 | $76,112+24.6% | $96,544-1.8% | $71,529+32.6% |
| Participation rate | 83.6% | 74.4%+9.2pp | 76.0%+7.7pp | 67.9%+15.7pp |
| Annual return | 13.99% | 22.80%-8.8pp | 25.88%-11.9pp | 28.97%-15.0pp |
| Employer contribution / active EE | $3,595 | $2,248+59.9% | $2,966+21.2% | $2,590+38.8% |
| Participant deferral / active EE | $4,820 | $4,217+14.3% | $4,851-0.6% | $4,291+12.3% |
| Admin fee / account holder | $325 | $2,708-88.0% | $8,254-96.1% | $1,588-79.5% |