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| Provider | Service type | Compensation |
|---|---|---|
STATE STREET GLOBAL ADVISORS3 years Filed as: STATE BANK OF CROSS PLAINS Service code 21 455 S JUNCTION ROAD STE 100 · MADISON, WI 53719 | Bank Trustee | $18,829 |
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.)
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 | $57,954 | $59,191-2.1% | $76,767-24.5% | $56,289+3.0% |
| Participation rate | 43.0% | 75.2%-32.2pp | 77.0%-34.0pp | 69.9%-26.9pp |
| Annual return | -2.41% | 6.62%-9.0pp | 2.43%-4.8pp | -9.96%+7.5pp |
| Employer contribution / active EE | $0 | $1,759-100.0% | $2,485-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $4,510 | $3,255+38.5% | $3,852+17.1% | $3,350+34.6% |
| Admin fee / account holder | $365 | $489-25.4% | $6,675-94.5% | $521-30.0% |