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| Provider | Service type | Compensation |
|---|---|---|
BANKERS TRUST COMPANY9 years Service code 15 · EIN 42-0127385 | Recordkeeping | $50,135 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $64,316 | $60,305+6.7% | $81,780-21.4% | $74,400-13.6% |
| Participation rate | 61.2% | 62.9%-1.6pp | 72.4%-11.1pp | 67.2%-6.0pp |
| Annual return | 12.26% | 16.89%-4.6pp | 776.27%-764.0pp | 1367.51%-1355.3pp |
| Employer contribution / active EE | $1,146 | $2,623-56.3% | $2,914-60.7% | $2,624-56.3% |
| Participant deferral / active EE | $3,193 | $3,390-5.8% | $4,321-26.1% | $4,348-26.6% |
| Admin fee / account holder | $356 | $1,484-76.0% | $7,384-95.2% | $1,944-81.7% |