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| Provider | Service type | Compensation |
|---|---|---|
COMMERCE BANK4+ years Filed as: COMMERCE TRUST COMPANY Service code 27 · EIN 48-0962626 | Advisory (Plan) | $15,680 |
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $8,247 |
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 | $49,361 | $58,512-15.6% | $84,020-41.3% | $72,983-32.4% |
| Participation rate | 50.6% | 61.2%-10.7pp | 69.0%-18.5pp | 69.5%-18.9pp |
| Annual return | 20.61% | 28.93%-8.3pp | 71.31%-50.7pp | 81.01%-60.4pp |
| Employer contribution / active EE | $731 | $1,163-37.1% | $1,984-63.1% | $2,440-70.0% |
| Participant deferral / active EE | $1,382 | $2,394-42.3% | $3,239-57.3% | $3,608-61.7% |
| Admin fee / account holder | $386 | $4,569-91.6% | $6,101-93.7% | $5,124-92.5% |