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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 16-1053696 | Recordkeeping | $26,268 |
HEARTLAND BANK & TRUST COMPANY10+ years Service code 25 · EIN 36-3857326 606 S MAIN ST · PRINCETON, IL 61356 | Directed Trustee | $21,403 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $46,265 | $79,189-41.6% | $102,457-54.8% | $74,400-37.8% |
| Participation rate | 72.6% | 74.8%-2.2pp | 76.5%-3.9pp | 67.2%+5.4pp |
| Annual return | 11.98% | 54.98%-43.0pp | 29.41%-17.4pp | 1367.51%-1355.5pp |
| Employer contribution / active EE | $25 | $2,362-98.9% | $3,022-99.2% | $2,624-99.0% |
| Participant deferral / active EE | $1,893 | $4,415-57.1% | $5,054-62.5% | $4,348-56.5% |
| Admin fee / account holder | $357 | $2,002-82.2% | $9,451-96.2% | $1,944-81.7% |