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| Provider | Service type | Compensation |
|---|---|---|
CITY STATE BANK1+ years Service code 21 1104 SUNSET DR · NORWALK, IA 50211 | Bank Trustee | $28,375 |
RETIREMENT DIRECT1+ years Service code 15 | Recordkeeping | $9,452 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.)
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $36,590 | $42,546-14.0% | $71,796-49.0% | $55,167-33.7% |
| Participation rate | 34.8% | 59.1%-24.3pp | 69.1%-34.3pp | 69.0%-34.2pp |
| Annual return | -3.95% | 12.36%-16.3pp | 78.04%-82.0pp | 169.23%-173.2pp |
| Employer contribution / active EE | $348 | $803-56.7% | $1,924-81.9% | $1,963-82.3% |
| Participant deferral / active EE | $751 | $2,064-63.6% | $2,794-73.1% | $3,054-75.4% |
| Admin fee / account holder | $407 | $650-37.4% | $4,815-91.6% | $504-19.3% |