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| Provider | Service type | Compensation |
|---|---|---|
MIDLAND STATES BANK7 years Service code 24 · EIN 37-0259550 | Discretionary Trustee | $108,852 |
CHARLES SCHWAB & CO., INC.3 years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.)
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 | $153,289 | $75,923+101.9% | $102,460+49.6% | - |
| Participation rate | 63.1% | 71.4%-8.3pp | 76.5%-13.5pp | - |
| Annual return | 14.15% | 15.12%-1.0pp | 29.47%-15.3pp | - |
| Employer contribution / active EE | $484 | $2,206-78.1% | $3,025-84.0% | - |
| Participant deferral / active EE | $3,260 | $4,258-23.4% | $5,056-35.5% | - |
| Admin fee / account holder | $547 | $11,449-95.2% | $9,460-94.2% | - |