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| Provider | Service type | Compensation |
|---|---|---|
CITY STATE BANK4 years Service code 21 · EIN 42-0443990 | Bank Trustee | $81,282 |
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.
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 | $226,247 | $99,957+126.3% | $149,745+51.1% | $73,497+207.8% |
| Participation rate | 96.2% | 75.7%+20.5pp | 82.5%+13.7pp | 70.7%+25.5pp |
| Annual return | 12.02% | 53.87%-41.9pp | 276.72%-264.7pp | 28.51%-16.5pp |
| Employer contribution / active EE | $6,685 | $3,191+109.5% | $4,646+43.9% | $2,270+194.5% |
| Participant deferral / active EE | $9,929 | $6,073+63.5% | $6,843+45.1% | $3,740+165.5% |
| Admin fee / account holder | $626 | $551+13.6% | $9,312-93.3% | $513+21.9% |