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| Provider | Service type | Compensation |
|---|---|---|
MIDLAND STATES BANK5 years Service code 24 · EIN 37-0259550 | Discretionary Trustee | $100,896 |
Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $12,472 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $115,904 | $72,303+60.3% | $86,691+33.7% | $64,814+78.8% |
| Participation rate | 69.8% | 80.4%-10.6pp | 76.6%-6.7pp | 71.5%-1.6pp |
| Annual return | -14.67% | 392.77%-407.4pp | 35.94%-50.6pp | 32.84%-47.5pp |
| Employer contribution / active EE | $490 | $2,393-79.5% | $2,837-82.7% | $2,507-80.4% |
| Participant deferral / active EE | $3,104 | $4,660-33.4% | $4,656-33.3% | $4,310-28.0% |
| Admin fee / account holder | $459 | $174+163.6% | $7,492-93.9% | $188+144.2% |