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| Provider | Service type | Compensation |
|---|---|---|
OLD SECOND BANK1 year Service code 21 · EIN 36-1577458 | Bank Trustee | $38,888 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $95,320 | $66,302+43.8% | $110,241-13.5% | $56,287+69.3% |
| Participation rate | 58.2% | 74.9%-16.7pp | 79.8%-21.6pp | 69.9%-11.6pp |
| Annual return | -7.89% | -1.18%-6.7pp | 314.75%-322.6pp | -9.96%+2.1pp |
| Employer contribution / active EE | $2,149 | $2,047+4.9% | $3,827-43.9% | $2,111+1.8% |
| Participant deferral / active EE | $3,709 | $3,381+9.7% | $4,672-20.6% | $3,350+10.7% |
| Admin fee / account holder | $502 | $698-28.2% | $8,548-94.1% | $521-3.7% |