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| Provider | Service type | Compensation |
|---|---|---|
MIDLAND STATES BANK10+ years Service code 24 · EIN 37-0259550 | Discretionary Trustee | $89,628 |
CHARLES SCHWAB & CO., INC.2 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $7,752 |
Service code 15 · EIN 16-1450952 | Recordkeeping | $2,722 |
CHARLES SCHWAB & CO., INC.2 years Service code 59 · EIN 94-1737782 | Shareholder Servicing | $0 |
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 | $81,188 | $89,123-8.9% | $102,460-20.8% | $77,762+4.4% |
| Participation rate | 70.6% | 80.9%-10.3pp | 76.5%-5.9pp | 70.6%0pp |
| Annual return | 14.83% | 25.05%-10.2pp | 29.47%-14.6pp | 31.27%-16.4pp |
| Employer contribution / active EE | $710 | $2,700-73.7% | $3,025-76.5% | $2,728-74.0% |
| Participant deferral / active EE | $2,666 | $5,148-48.2% | $5,056-47.3% | $4,651-42.7% |
| Admin fee / account holder | $479 | $236+102.9% | $9,460-94.9% | $433+10.5% |