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| Provider | Service type | Compensation |
|---|---|---|
AMG NATIONAL TRUST BANK2+ years Service code 21 · EIN 84-1595368 | Bank Trustee | $21,092 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $35,516 | $32,425+9.5% | $74,577-52.4% | $55,167-35.6% |
| Participation rate | 55.4% | 54.0%+1.4pp | 68.1%-12.7pp | 69.0%-13.6pp |
| Annual return | 7.33% | 10.63%-3.3pp | 20.47%-13.1pp | 169.23%-161.9pp |
| Employer contribution / active EE | $216 | $1,043-79.3% | $2,525-91.5% | $1,963-89.0% |
| Participant deferral / active EE | $2,022 | $1,995+1.4% | $3,458-41.5% | $3,054-33.8% |
| Admin fee / account holder | $217 | $748-70.9% | $4,138-94.7% | $504-56.8% |