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| Provider | Service type | Compensation |
|---|---|---|
OLD SECOND BANK1+ years Service code 21 · EIN 36-1577458 | Bank Trustee | $24,649 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $45,868 | $22,714+101.9% | $59,496-22.9% | $55,191-16.9% |
| Participation rate | 24.3% | 37.5%-13.1pp | 54.6%-30.2pp | 69.2%-44.8pp |
| Annual return | 5.91% | -44.01%+49.9pp | 182.05%-176.1pp | 10.78%-4.9pp |
| Employer contribution / active EE | $378 | $418-9.4% | $1,153-67.2% | $1,899-80.1% |
| Participant deferral / active EE | $581 | $843-31.1% | $1,829-68.2% | $3,046-80.9% |
| Admin fee / account holder | $310 | $83+272.0% | $2,232-86.1% | $91+241.5% |