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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 | $75,058+269.2% | $152,301+81.9% | $64,340+330.7% |
| Participation rate | 79.2% | 60.9%+18.3pp | 82.4%-3.2pp | 55.2%+24.0pp |
| Annual return | 13.82% | 29.93%-16.1pp | 80.50%-66.7pp | 24.14%-10.3pp |
| Employer contribution / active EE | $8,743 | $2,605+235.7% | $4,624+89.1% | $1,862+369.6% |
| Participant deferral / active EE | $6,322 | $5,041+25.4% | $8,004-21.0% | $2,980+112.1% |
| Admin fee / account holder | $382 | $4,050-90.6% | $14,398-97.3% | $3,703-89.7% |