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| Provider | Service type | Compensation |
|---|---|---|
COMMERCE BANK2+ years Filed as: COMMERCE TRUST COMPANY Service code 27 · EIN 48-0962626 | Advisory (Plan) | $15,906 |
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $1,435 |
Participant contribution per participant is in the bottom quintile of the peer cohort.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $26,369 | $56,640-53.4% | $78,002-66.2% | $55,167-52.2% |
| Participation rate | 78.4% | 73.3%+5.1pp | 75.5%+2.9pp | 69.0%+9.4pp |
| Annual return | 10.40% | 2868.48%-2858.1pp | 425.99%-415.6pp | 169.23%-158.8pp |
| Employer contribution / active EE | $103 | $1,724-94.0% | $2,470-95.8% | $1,963-94.8% |
| Participant deferral / active EE | $1,032 | $2,778-62.8% | $3,497-70.5% | $3,054-66.2% |
| Admin fee / account holder | $108 | $467-76.9% | $5,481-98.0% | $504-78.6% |