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| Provider | Service type | Compensation |
|---|---|---|
BUSEY WEALTH MANAGEMENT1 year Filed as: BUSEY BANK Service code 19 · EIN 37-0613731 | Securities Custodian | $43,151 |
Service code 15 · EIN 16-1450952 | Recordkeeping | $29,874 |
CHARLES SCHWAB & CO., INC.2 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.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $81,512 | $64,176+27.0% | $112,263-27.4% | $66,949+21.8% |
| Participation rate | 57.3% | 68.4%-11.1pp | 75.1%-17.8pp | 69.8%-12.5pp |
| Annual return | -17.59% | -13.80%-3.8pp | 27.49%-45.1pp | 1.57%-19.2pp |
| Employer contribution / active EE | $1,289 | $3,007-57.1% | $3,636-64.6% | $2,545-49.4% |
| Participant deferral / active EE | $2,795 | $3,694-24.3% | $4,729-40.9% | $4,239-34.1% |
| Admin fee / account holder | $504 | $626-19.5% | $6,410-92.1% | $594-15.2% |