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| Provider | Service type | Compensation |
|---|---|---|
COMMERCE BANK2+ years Filed as: COMMERCE TRUST COMPANY Service code 27 · EIN 48-0962626 | Advisory (Plan) | $0 |
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $0 |
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.
Employer 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.
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 | $50,681 | $63,924-20.7% | $108,582-53.3% | $55,167-8.1% |
| Participation rate | 18.4% | 74.3%-55.9pp | 79.6%-61.2pp | 69.0%-50.6pp |
| Annual return | 5.19% | 15.31%-10.1pp | -51.70%+56.9pp | 169.23%-164.0pp |
| Employer contribution / active EE | $136 | $1,879-92.8% | $3,758-96.4% | $1,963-93.1% |
| Participant deferral / active EE | $446 | $3,067-85.5% | $4,311-89.7% | $3,054-85.4% |
| Admin fee / account holder | $577 | $618-6.6% | $7,645-92.5% | $504+14.5% |