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| Provider | Service type | Compensation |
|---|---|---|
MIDLAND STATES BANK1 year Service code 21 · EIN 37-0259550 | Bank Trustee | $28,085 |
UHY LLP2+ years Filed as: UHY, LLP Service code 10 · EIN 20-0694403 | Accounting | $16,779 |
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.
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $72,227 | $67,606+6.8% | $82,313-12.3% | $70,124+3.0% |
| Participation rate | 46.3% | 72.8%-26.5pp | 76.9%-30.6pp | 69.5%-23.2pp |
| Annual return | 11.57% | 21.57%-10.0pp | 25.88%-14.3pp | 73.14%-61.6pp |
| Employer contribution / active EE | $0 | $1,755-100.0% | $2,428-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $2,050 | $2,987-31.4% | $3,706-44.7% | $3,332-38.5% |
| Admin fee / account holder | $772 | $4,512-82.9% | $5,608-86.2% | $4,645-83.4% |