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| Provider | Service type | Compensation |
|---|---|---|
MIDLAND STATES BANK4 years Service code 24 · EIN 36-2476850 | Discretionary Trustee | $87,807 |
CHARLES SCHWAB & CO., INC.3 years Filed as: CHARLES SCHWAB TRUST BANK Service code 19 · EIN 82-3967259 | Securities Custodian | $11,286 |
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.
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 | $86,816 | $54,213+60.1% | $93,696-7.3% | $77,736+11.7% |
| Participation rate | 69.9% | 64.0%+6.0pp | 68.7%+1.2pp | 70.6%-0.6pp |
| Annual return | 12.07% | 30.55%-18.5pp | 133.74%-121.7pp | 31.26%-19.2pp |
| Employer contribution / active EE | $1,782 | $1,168+52.6% | $2,422-26.4% | $2,728-34.7% |
| Participant deferral / active EE | $4,237 | $3,145+34.7% | $4,417-4.1% | $4,651-8.9% |
| Admin fee / account holder | $310 | $575-46.1% | $8,287-96.3% | $433-28.5% |