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| Provider | Service type | Compensation |
|---|---|---|
COMMERCE BANK8 years Service code 27 · EIN 48-0962626 | Advisory (Plan) | $52,968 |
KERBER, ECK & BRAECKEL LLP5 years Filed as: KERBER ECK & BRAECKEL LLP Service code 10 · EIN 43-0352985 | Accounting | $19,900 |
Filed as: TRANSAMERICA LIFE INSURANCE COMPANY Service code 15 · EIN 39-0989781 | Recordkeeping | $4,573 |
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 | $115,747 | $95,904+20.7% | $173,730-33.4% | $64,340+79.9% |
| Participation rate | 54.5% | 60.6%-6.1pp | 79.6%-25.1pp | 55.2%-0.7pp |
| Annual return | 13.10% | 17.47%-4.4pp | 19.96%-6.9pp | 24.14%-11.0pp |
| Employer contribution / active EE | $1,669 | $2,323-28.1% | $4,577-63.5% | $1,862-10.3% |
| Participant deferral / active EE | $3,374 | $3,488-3.3% | $6,326-46.7% | $2,980+13.2% |
| Admin fee / account holder | $545 | $5,089-89.3% | $17,523-96.9% | $3,703-85.3% |