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| Provider | Service type | Compensation |
|---|---|---|
COMMERCE BANK6 years Service code 27 · EIN 48-0962626 | Advisory (Plan) | $40,377 |
KERBER, ECK & BRAECKEL LLP3 years Filed as: KERBER ECK & BRAECKEL LLP Service code 10 · EIN 43-0352985 | Accounting | $17,750 |
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $3,605 |
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 | $106,444 | $83,045+28.2% | $130,045-18.1% | $71,511+48.8% |
| Participation rate | 60.7% | 74.1%-13.4pp | 78.5%-17.8pp | 67.9%-7.2pp |
| Annual return | 16.92% | 20.61%-3.7pp | -137.30%+154.2pp | 28.86%-11.9pp |
| Employer contribution / active EE | $1,758 | $2,623-33.0% | $4,321-59.3% | $2,589-32.1% |
| Participant deferral / active EE | $3,633 | $4,436-18.1% | $5,820-37.6% | $4,291-15.3% |
| Admin fee / account holder | $432 | $1,727-75.0% | $10,600-95.9% | $1,588-72.8% |