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| Provider | Service type | Compensation |
|---|---|---|
BUSEY WEALTH MANAGEMENT3 years Filed as: BUSEY BANK Service code 19 · EIN 37-0613731 | Securities Custodian | $49,881 |
Service code 15 · EIN 16-1450952 | Recordkeeping | $30,291 |
CHARLES SCHWAB & CO., INC.4 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 | $118,518 | $80,781+46.7% | $102,437+15.7% | $74,478+59.1% |
| Participation rate | 53.3% | 65.7%-12.4pp | 74.5%-21.3pp | 67.2%-14.0pp |
| Annual return | 13.97% | 27.58%-13.6pp | 24.95%-11.0pp | 1370.56%-1356.6pp |
| Employer contribution / active EE | $1,105 | $3,160-65.0% | $3,871-71.4% | $2,626-57.9% |
| Participant deferral / active EE | $2,720 | $3,862-29.6% | $5,060-46.3% | $4,350-37.5% |
| Admin fee / account holder | $652 | $2,372-72.5% | $8,388-92.2% | $1,946-66.5% |