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| Provider | Service type | Compensation |
|---|---|---|
THE BANK OF NEW YORK MELLON2 years Filed as: BANK OF THE WEST Service code 51 2555 E CAMELBACK ROAD · PHOENIX, AZ 85016 | Investment Mgmt Fees | $15,980 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,159 | $60,795-80.0% | $69,461-82.5% | $65,185-81.3% |
| Participation rate | 66.7% | 74.9%-8.2pp | 74.6%-7.9pp | 70.2%-3.5pp |
| Annual return | 2.17% | 17.46%-15.3pp | 28.97%-26.8pp | 29.38%-27.2pp |
| Employer contribution / active EE | $0 | $2,452-100.0% | $2,779-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $0 | $3,162-100.0% | $3,536-100.0% | $3,514-100.0% |
| Admin fee / account holder | $144 | $314-54.1% | $3,840-96.3% | $847-83.0% |