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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 | $88,137+35.7% | $164,975-27.5% | $74,429+60.7% |
| Participation rate | 55.8% | 73.1%-17.3pp | 78.6%-22.8pp | 67.2%-11.4pp |
| Annual return | 12.61% | 17.13%-4.5pp | 70.12%-57.5pp | 1368.38%-1355.8pp |
| Employer contribution / active EE | $1,720 | $2,597-33.8% | $4,343-60.4% | $2,625-34.5% |
| Participant deferral / active EE | $3,571 | $4,501-20.7% | $6,033-40.8% | $4,348-17.9% |
| Admin fee / account holder | $501 | $2,231-77.5% | $12,688-96.0% | $1,944-74.2% |