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| Provider | Service type | Compensation |
|---|---|---|
EXTRACO BANKS3 years Filed as: EXTRACO BANKS N.A. Service code 27 · EIN 74-0935612 | Advisory (Plan) | $47,792 |
Service code 60 · EIN 04-2647786 | Sub-TA Fees | $24,430 |
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.
Plan reported corrective distributions (failed ADP/ACP testing).
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $277,082 | $88,360+213.6% | $145,433+90.5% | $67,986+307.6% |
| Participation rate | 79.2% | 65.5%+13.8pp | 82.1%-2.9pp | 57.2%+22.0pp |
| Annual return | 13.82% | 63.15%-49.3pp | 66.58%-52.8pp | 31.67%-17.8pp |
| Employer contribution / active EE | $8,743 | $3,054+186.3% | $4,554+92.0% | $2,019+333.1% |
| Participant deferral / active EE | $6,322 | $5,932+6.6% | $7,897-20.0% | $3,358+88.3% |
| Admin fee / account holder | $382 | $3,313-88.5% | $13,129-97.1% | $3,203-88.1% |