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| Provider | Service type | Compensation |
|---|---|---|
PNC BANK, N.A.3+ years Service code 25 · EIN 22-1146430 | Directed Trustee | $35,444 |
PNC BANK, N.A.3+ years Filed as: PNC BANK, NATIONAL ASSOCIATION Service code 59 | Shareholder Servicing | $0 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $91,475 | $63,314+44.5% | $91,004+0.5% | $62,293+46.8% |
| Participation rate | 56.4% | 73.3%-16.9pp | 75.6%-19.2pp | 69.5%-13.1pp |
| Annual return | 17.45% | 21.00%-3.5pp | 4.60%+12.9pp | 28.90%-11.4pp |
| Employer contribution / active EE | $728 | $1,807-59.7% | $2,456-70.4% | $2,042-64.4% |
| Participant deferral / active EE | $2,704 | $2,944-8.1% | $3,548-23.8% | $3,169-14.7% |
| Admin fee / account holder | $403 | $468-13.9% | $5,417-92.6% | $479-16.0% |