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| Provider | Service type | Compensation |
|---|---|---|
THE VANGUARD GROUP, INC.6 years Service code 15 · EIN 23-1945930 | Recordkeeping | $10,600 |
Filed as: MACATAWA BANK-RETIREMENT PLAN SERV Service code 19 · EIN 38-3378283 | Securities Custodian | $0 |
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Assets per participant exceed $250,000 - top-decile high-value plan.
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $307,320 | $46,292+563.9% | $143,757+113.8% | $64,808+374.2% |
| Participation rate | 100.0% | 64.2%+35.8pp | 80.3%+19.7pp | 71.5%+28.5pp |
| Annual return | -19.04% | -10.05%-9.0pp | -0.04%-19.0pp | 32.82%-51.9pp |
| Employer contribution / active EE | $20,730 | $1,910+985.5% | $4,951+318.7% | $2,506+727.3% |
| Participant deferral / active EE | $12,170 | $2,646+360.0% | $5,637+115.9% | $4,310+182.3% |
| Admin fee / account holder | $25 | $154-83.7% | $14,673-99.8% | $188-86.7% |