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| Provider | Service type | Compensation |
|---|---|---|
CMFG LIFE INSURANCE COMPANY10+ years Service code 15 · EIN 39-0230590 | Recordkeeping | $20,481 |
OSAIC WEALTH INC2 years Filed as: OSAIC WEALTH, INC. Service code 27 · EIN 93-0987232 | Advisory (Plan) | $19,697 |
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.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $70,549 | $60,393+16.8% | $81,820-13.8% | $74,429-5.2% |
| Participation rate | 59.4% | 62.9%-3.5pp | 72.4%-13.0pp | 67.2%-7.8pp |
| Annual return | 13.55% | 16.89%-3.3pp | 777.93%-764.4pp | 1368.38%-1354.8pp |
| Employer contribution / active EE | $1,347 | $2,626-48.7% | $2,915-53.8% | $2,625-48.7% |
| Participant deferral / active EE | $2,726 | $3,397-19.8% | $4,323-36.9% | $4,348-37.3% |
| Admin fee / account holder | $341 | $1,491-77.1% | $7,391-95.4% | $1,944-82.5% |