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| Provider | Service type | Compensation |
|---|---|---|
Filed as: CIBC PRIVATE WEALTH ADVISORS Service code 27 · EIN 20-0822261 120 SOUTH LASALLE STREET · CHICAGO, IL 60603 | Advisory (Plan) | $78,117 |
OCTOBER THREE CONSULTING LLC2 years Filed as: OCTOBER THREE CONSULTING SERVICES Service code 11 · EIN 27-1175487 233 S. WACKER DRIVE SUITE 8350 · CHICAGO, IL 60606 | Actuarial | $20,076 |
RELIANCE TRUST COMPANY2 years Filed as: RELIANCE TRUSTCOMPANY Service code 15 1100 ABERNATHY ROAD NE SUITE 400 · ATLANTA, GA 303285646 | Recordkeeping | $17,706 |
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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.)
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
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 | $29,558 | $29,5580% | $98,614-70.0% | $18,026,966-99.8% |
| Participation rate | 5.1% | 1.3%+3.8pp | 8.8%-3.7pp | 1.8%+3.3pp |
| Annual return | -15.76% | -1.21%-14.6pp | -0.41%-15.4pp | 0.19%-16.0pp |
| Employer contribution / active EE | $2,362 | $10,104-76.6% | $15,396-84.7% | $13,763-82.8% |
| Participant deferral / active EE | $0 | $121-100.0% | $26-100.0% | $804-100.0% |
| Admin fee / account holder | $803 | $8030% | $2,970-73.0% | $426+88.4% |