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| Provider | Service type | Compensation |
|---|---|---|
EXCHANGE BANK6+ years Service code 21 · EIN 68-0301626 | Bank Trustee | $47,907 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,242 | $60,504-35.1% | $81,882-52.1% | $74,478-47.3% |
| Participation rate | 35.0% | 62.9%-27.9pp | 72.4%-37.3pp | 67.2%-32.2pp |
| Annual return | 11.86% | 16.91%-5.1pp | 779.47%-767.6pp | 1370.56%-1358.7pp |
| Employer contribution / active EE | $728 | $2,627-72.3% | $2,916-75.0% | $2,626-72.3% |
| Participant deferral / active EE | $1,911 | $3,400-43.8% | $4,323-55.8% | $4,350-56.1% |
| Admin fee / account holder | $347 | $1,492-76.7% | $7,360-95.3% | $1,946-82.2% |