Filed December 18, 2025
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| Provider | Service type | Compensation |
|---|---|---|
CMFG LIFE INSURANCE COMPANY2 years Service code 15 · EIN 39-0230590 | Recordkeeping | $44,727 |
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $71,190 | $102,623-30.6% | $151,627-53.0% | $66,923+6.4% |
| Participation rate | 75.0% | 85.5%-10.5pp | 87.5%-12.5pp | 69.8%+5.2pp |
| Annual return | -16.12% | -10.82%-5.3pp | 3.33%-19.5pp | 1.58%-17.7pp |
| Employer contribution / active EE | $3,583 | $4,183-14.4% | $6,166-41.9% | $2,545+40.8% |
| Participant deferral / active EE | $3,578 | $6,644-46.1% | $8,363-57.2% | $4,237-15.6% |
| Admin fee / account holder | $422 | $630-33.0% | $11,612-96.4% | $593-28.9% |