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| Provider | Service type | Compensation |
|---|---|---|
AMG NATIONAL TRUST BANK3+ years Service code 21 · EIN 84-1595368 | Bank Trustee | $12,509 |
ADP BROKER-DEALER1 year Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $1,250 |
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 | $41,519 | $36,767+12.9% | $81,473-49.0% | $62,293-33.3% |
| Participation rate | 51.9% | 54.4%-2.5pp | 68.0%-16.0pp | 69.5%-17.6pp |
| Annual return | 16.70% | 173.80%-157.1pp | 38.78%-22.1pp | 28.90%-12.2pp |
| Employer contribution / active EE | $0 | $1,128-100.0% | $2,568-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $1,785 | $2,111-15.4% | $3,537-49.5% | $3,169-43.7% |
| Admin fee / account holder | $142 | $797-82.2% | $4,561-96.9% | $479-70.4% |