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| Provider | Service type | Compensation |
|---|---|---|
CITIZENS BANK6+ years Filed as: CITIZENS BUSINESS BANK Service code 18 · EIN 95-6806148 1010 COLORADO BLVD 2ND FLOOR · PASADENA, CA 911062311 | Custodial (other than securities) | $31,950 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $97,815 | $82,093+19.2% | $379,746-74.2% | $73,412+33.2% |
| Participation rate | 64.5% | 76.8%-12.3pp | 78.4%-14.0pp | 72.2%-7.7pp |
| Annual return | 10.39% | 18.89%-8.5pp | 34.90%-24.5pp | 59.30%-48.9pp |
| Employer contribution / active EE | $884 | $2,847-69.0% | $3,540-75.0% | $2,234-60.4% |
| Participant deferral / active EE | $4,066 | $4,697-13.4% | $6,024-32.5% | $3,806+6.8% |
| Admin fee / account holder | $65 | $128-49.3% | $7,927-99.2% | $158-59.1% |