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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $25,516 |
ARGENT TRUST COMPANY4+ years Filed as: ARGENT TRUST COMPANY NA Service code 27 · EIN 72-1173060 | Advisory (Plan) | $8,611 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $69,845 | $27,800+151.2% | $58,544+19.3% | $71,495-2.3% |
| Participation rate | 25.7% | 34.6%-8.9pp | 50.9%-25.1pp | 67.9%-42.2pp |
| Annual return | 23.06% | 26.80%-3.7pp | 4249.56%-4226.5pp | 28.85%-5.8pp |
| Employer contribution / active EE | $816 | $632+29.2% | $1,053-22.5% | $2,589-68.5% |
| Participant deferral / active EE | $1,566 | $1,208+29.6% | $1,923-18.6% | $4,291-63.5% |
| Admin fee / account holder | $416 | $1,637-74.6% | $2,520-83.5% | $1,588-73.8% |