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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 | $60,504+6.3% | $81,882-21.5% | $74,478-13.6% |
| Participation rate | 61.2% | 62.9%-1.7pp | 72.4%-11.2pp | 67.2%-6.0pp |
| Annual return | 12.26% | 16.91%-4.6pp | 779.47%-767.2pp | 1370.56%-1358.3pp |
| Employer contribution / active EE | $1,146 | $2,627-56.4% | $2,916-60.7% | $2,626-56.4% |
| Participant deferral / active EE | $3,193 | $3,400-6.1% | $4,323-26.1% | $4,350-26.6% |
| Admin fee / account holder | $356 | $1,492-76.2% | $7,360-95.2% | $1,946-81.7% |