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| Provider | Service type | Compensation |
|---|---|---|
OLD SECOND BANK4+ years Service code 21 · EIN 36-1577458 | Bank Trustee | $37,596 |
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 | $52,159 | $23,224+124.6% | $71,086-26.6% | $55,725-6.4% |
| Participation rate | 27.2% | 37.9%-10.7pp | 54.7%-27.5pp | 70.9%-43.7pp |
| Annual return | -2.31% | -2.87%+0.6pp | 650.59%-652.9pp | 244.93%-247.2pp |
| Employer contribution / active EE | $376 | $436-13.9% | $1,088-65.5% | $2,078-81.9% |
| Participant deferral / active EE | $542 | $929-41.6% | $1,874-71.1% | $3,356-83.8% |
| Admin fee / account holder | $348 | $118+194.9% | $3,082-88.7% | $115+201.9% |