Filed August 3, 2021 (most recent of 3 filings on file)
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| Provider | Service type | Compensation |
|---|---|---|
CMFG LIFE INSURANCE COMPANY10+ years Service code 15 · EIN 39-0230590 | Recordkeeping | $55,709 |
CMFG LIFE INSURANCE COMPANY5 years Filed as: MEMBERS CAPITAL ADVISORS, INC. Service code 27 · EIN 42-0388260 | Advisory (Plan) | $26,905 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $132,059 | $121,671+8.5% | $211,142-37.5% | $64,340+105.3% |
| Participation rate | 99.3% | 76.5%+22.8pp | 87.3%+12.0pp | 55.2%+44.1pp |
| Annual return | 9.45% | 21.43%-12.0pp | 46.84%-37.4pp | 24.14%-14.7pp |
| Employer contribution / active EE | $3,936 | $4,066-3.2% | $6,442-38.9% | $1,862+111.4% |
| Participant deferral / active EE | $6,230 | $6,049+3.0% | $9,284-32.9% | $2,980+109.0% |
| Admin fee / account holder | $381 | $4,774-92.0% | $19,076-98.0% | $3,703-89.7% |