Filed November 18, 1997
This is a legacy paper filing. Plan administrator and contact details are recorded in the original filing, which has not been digitised into structured fields.
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| Provider | Service type | Compensation |
|---|---|---|
OLD SECOND BANK1 year Filed as: OLD SECOND NATIONAL BANK Service code 21 · EIN 36-1577458 | Bank Trustee | $116,937 |
RETIREMENT DIRECT1 year Filed as: RETIREMENT DIRECT, LLC Service code 15 · EIN 91-2076699 | Recordkeeping | $8,309 |
Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $5,176 |
Service code 15 · EIN 16-1450952 | Recordkeeping | $4,313 |
Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
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.
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 | $50,211 | $100,272-49.9% | $170,057-70.5% | $74,473-32.6% |
| Participation rate | 67.5% | 87.4%-19.9pp | 87.0%-19.5pp | 70.7%-3.2pp |
| Annual return | 107.73% | 66.12%+41.6pp | 53.42%+54.3pp | 34.36%+73.4pp |
| Employer contribution / active EE | $1,182 | $4,266-72.3% | $6,790-82.6% | $2,638-55.2% |
| Participant deferral / active EE | $2,611 | $7,147-63.5% | $10,411-74.9% | $4,530-42.4% |
| Admin fee / account holder | $221 | $235-5.8% | $12,826-98.3% | $347-36.3% |