Filed December 18, 2025
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| Provider | Service type | Compensation |
|---|---|---|
CMFG LIFE INSURANCE COMPANY3 years Service code 15 · EIN 39-0230590 | Recordkeeping | $39,083 |
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 | $79,277 | $130,294-39.2% | $170,057-53.4% | $71,529+10.8% |
| Participation rate | 79.8% | 86.2%-6.4pp | 87.0%-7.2pp | 67.9%+11.9pp |
| Annual return | 19.62% | 20.36%-0.7pp | 53.42%-33.8pp | 28.97%-9.3pp |
| Employer contribution / active EE | $3,809 | $4,385-13.1% | $6,790-43.9% | $2,590+47.1% |
| Participant deferral / active EE | $3,652 | $6,928-47.3% | $10,411-64.9% | $4,291-14.9% |
| Admin fee / account holder | $318 | $966-67.1% | $12,826-97.5% | $1,588-80.0% |