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| Provider | Service type | Compensation |
|---|---|---|
OLD SECOND BANK2 years Filed as: OLD SECOND NATIONAL BANK Service code 21 · EIN 36-1577458 | Bank Trustee | $57,720 |
Service code 15 · EIN 16-1450952 | Recordkeeping | $3,860 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $80,403 | $30,421+164.3% | $56,077+43.4% | $74,429+8.0% |
| Participation rate | 52.3% | 32.9%+19.4pp | 52.5%-0.2pp | 67.2%-14.9pp |
| Annual return | -41.55% | 24.94%-66.5pp | 1709.28%-1750.8pp | 1368.38%-1409.9pp |
| Employer contribution / active EE | $1,253 | $610+105.5% | $1,040+20.5% | $2,625-52.3% |
| Participant deferral / active EE | $1,986 | $1,175+69.0% | $1,954+1.6% | $4,348-54.3% |
| Admin fee / account holder | $742 | $2,363-68.6% | $2,825-73.7% | $1,944-61.8% |