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| Provider | Service type | Compensation |
|---|---|---|
COMMERCIAL & SAVINGS BANK3 years Filed as: THE COMMERCIAL & SAVINGS BANK Service code 15 · EIN 34-0159850 1210 NORTH MAIN STREET · NORTH CANTON, OH 44720 | Recordkeeping | $23,102 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $31,462 | $58,093-45.8% | $80,022-60.7% | $56,287-44.1% |
| Participation rate | 39.1% | 73.6%-34.5pp | 75.8%-36.7pp | 69.9%-30.8pp |
| Annual return | -2.00% | 34.63%-36.6pp | 11.22%-13.2pp | -9.96%+8.0pp |
| Employer contribution / active EE | $0 | $1,933-100.0% | $2,468-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $632 | $3,136-79.8% | $3,686-82.9% | $3,350-81.1% |
| Admin fee / account holder | $308 | $623-50.5% | $6,521-95.3% | $521-40.9% |