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| Provider | Service type | Compensation |
|---|---|---|
Filed as: OLD NATIONAL BANK Service code 21 · EIN 35-1729164 | Bank Trustee | $323,087 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $16,925 |
Service code 15 · EIN 16-1450952 | Recordkeeping | $9,498 |
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.
Employer 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.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $65,868 | $129,227-49.0% | $184,256-64.3% | $77,762-15.3% |
| Participation rate | 54.8% | 87.4%-32.6pp | 86.8%-32.0pp | 70.6%-15.8pp |
| Annual return | 9.36% | 33.24%-23.9pp | 28.85%-19.5pp | 31.27%-21.9pp |
| Employer contribution / active EE | $1,259 | $4,412-71.5% | $6,427-80.4% | $2,728-53.9% |
| Participant deferral / active EE | $3,318 | $7,307-54.6% | $9,133-63.7% | $4,651-28.7% |
| Admin fee / account holder | $544 | $256+112.9% | $13,899-96.1% | $433+25.7% |