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| Provider | Service type | Compensation |
|---|---|---|
COMMERCE BANK8 years Service code 27 · EIN 48-0962626 | Advisory (Plan) | $52,968 |
KERBER, ECK & BRAECKEL LLP5 years Filed as: KERBER ECK & BRAECKEL LLP Service code 10 · EIN 43-0352985 | Accounting | $19,900 |
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $4,573 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $115,747 | $91,760+26.1% | $156,181-25.9% | $67,986+70.3% |
| Participation rate | 54.5% | 65.0%-10.5pp | 78.8%-24.3pp | 57.2%-2.7pp |
| Annual return | 13.10% | 18.14%-5.0pp | 64.87%-51.8pp | 31.67%-18.6pp |
| Employer contribution / active EE | $1,669 | $2,419-31.0% | $4,294-61.1% | $2,019-17.3% |
| Participant deferral / active EE | $3,374 | $3,960-14.8% | $6,132-45.0% | $3,358+0.5% |
| Admin fee / account holder | $545 | $3,949-86.2% | $14,586-96.3% | $3,203-83.0% |