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| Provider | Service type | Compensation |
|---|---|---|
COMMERCE BANK4 years Service code 27 · EIN 48-0962626 | Advisory (Plan) | $42,724 |
Filed as: KERBER ECK & BRAECKEL LLP Service code 10 · EIN 43-0352985 | Accounting | $7,616 |
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $2,692 |
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 | $115,265 | $93,182+23.7% | $146,643-21.4% | $79,391+45.2% |
| Participation rate | 59.8% | 76.4%-16.6pp | 80.1%-20.3pp | 70.7%-10.9pp |
| Annual return | 16.96% | 21.61%-4.7pp | 22.75%-5.8pp | 116.88%-99.9pp |
| Employer contribution / active EE | $1,798 | $2,420-25.7% | $4,137-56.5% | $2,428-25.9% |
| Participant deferral / active EE | $3,422 | $4,169-17.9% | $5,506-37.9% | $4,046-15.4% |
| Admin fee / account holder | $435 | $585-25.7% | $10,280-95.8% | $627-30.6% |