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| Provider | Service type | Compensation |
|---|---|---|
FIRST MERCHANTS TRUST CO1 year Filed as: FIRST MERCHANTS PRIVATE WEALTH ADVI Service code 15 · EIN 35-0508403 | Recordkeeping | $5,554 |
ALLIANCE BENEFIT GROUP3+ years Filed as: ALLIANCE BENEFIT GROUP OF ILLINOIS Service code 15 | Recordkeeping | $0 |
CHARLES SCHWAB & CO., INC.3+ years Filed as: CHARLES SCHWAB & CO, INC. Service code 59 | Shareholder Servicing | $0 |
CHARLES SCHWAB & CO., INC.3+ years Filed as: CHARLES SCHWAB & CO. INC. Service code 59 | Shareholder Servicing | $0 |
CHARLES SCHWAB & CO., INC.3+ years Service code 59 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $26,099 | $28,416-8.2% | $73,550-64.5% | $69,631-62.5% |
| Participation rate | 31.1% | 38.3%-7.3pp | 54.9%-23.8pp | 70.7%-39.6pp |
| Annual return | 17.45% | -694.13%+711.6pp | -15.16%+32.6pp | 27571.02%-27553.6pp |
| Employer contribution / active EE | $149 | $430-65.3% | $1,219-87.7% | $2,032-92.6% |
| Participant deferral / active EE | $539 | $897-39.9% | $1,804-70.1% | $3,224-83.3% |
| Admin fee / account holder | $50 | $104-52.0% | $2,320-97.8% | $110-54.7% |