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| Provider | Service type | Compensation |
|---|---|---|
COMMERCE BANK2 years Service code 27 · EIN 48-0962626 | Advisory (Plan) | $35,567 |
Filed as: KERBER & BRAECKEL LLP Service code 10 · EIN 43-0352985 | Accounting | $18,000 |
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $2,410 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $83,864 | $86,341-2.9% | $125,195-33.0% | $65,186+28.7% |
| Participation rate | 68.8% | 75.3%-6.5pp | 79.8%-11.0pp | 70.2%-1.4pp |
| Annual return | 23.85% | 27.44%-3.6pp | 43.79%-19.9pp | 29.39%-5.5pp |
| Employer contribution / active EE | $1,740 | $2,040-14.7% | $3,866-55.0% | $2,177-20.1% |
| Participant deferral / active EE | $3,007 | $3,538-15.0% | $4,937-39.1% | $3,514-14.4% |
| Admin fee / account holder | $483 | $609-20.8% | $9,704-95.0% | $847-43.0% |