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| Provider | Service type | Compensation |
|---|---|---|
BELL BANK1+ years Service code 15 · EIN 45-0283315 | Recordkeeping | $22,903 |
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 | $59,114 | $86,298-31.5% | $111,308-46.9% | $85,847-31.1% |
| Participation rate | 50.6% | 73.3%-22.8pp | 77.3%-26.8pp | 69.3%-18.8pp |
| Annual return | 12.37% | 19.99%-7.6pp | 54.67%-42.3pp | 318.61%-306.2pp |
| Employer contribution / active EE | $783 | $2,044-61.7% | $2,732-71.3% | $2,565-69.5% |
| Participant deferral / active EE | $1,913 | $3,641-47.5% | $4,487-57.4% | $3,952-51.6% |
| Admin fee / account holder | $432 | $8,189-94.7% | $7,965-94.6% | $6,261-93.1% |