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| Provider | Service type | Compensation |
|---|---|---|
TCF WEALTH MANAGEMENT1 year Service code 25 235 E. MAIN ST. · MIDLAND, MI 48641 | Directed Trustee | $13,421 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $59,931 | $66,124-9.4% | $90,430-33.7% | $73,493-18.5% |
| Participation rate | 35.7% | 69.7%-34.0pp | 72.7%-37.0pp | 70.7%-35.0pp |
| Annual return | 14.93% | 17.65%-2.7pp | 1293.73%-1278.8pp | 28.51%-13.6pp |
| Employer contribution / active EE | $543 | $2,346-76.9% | $3,262-83.4% | $2,270-76.1% |
| Participant deferral / active EE | $1,217 | $3,039-60.0% | $3,963-69.3% | $3,740-67.5% |
| Admin fee / account holder | $360 | $396-9.1% | $5,613-93.6% | $513-29.8% |