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| Provider | Service type | Compensation |
|---|---|---|
COMMERCE BANK7 years Service code 27 · EIN 48-0962626 | Advisory (Plan) | $47,067 |
KERBER, ECK & BRAECKEL LLP4 years Filed as: KERBER ECK & BRAECKEL LLP Service code 10 · EIN 43-0352985 | Accounting | $18,900 |
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $4,723 |
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 | $119,587 | $88,203+35.6% | $165,100-27.6% | $74,478+60.6% |
| Participation rate | 55.8% | 73.1%-17.3pp | 78.6%-22.8pp | 67.2%-11.4pp |
| Annual return | 12.61% | 17.13%-4.5pp | 70.21%-57.6pp | 1370.56%-1357.9pp |
| Employer contribution / active EE | $1,720 | $2,601-33.9% | $4,348-60.4% | $2,626-34.5% |
| Participant deferral / active EE | $3,571 | $4,505-20.7% | $6,035-40.8% | $4,350-17.9% |
| Admin fee / account holder | $501 | $2,235-77.6% | $12,696-96.1% | $1,946-74.2% |