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| Provider | Service type | Compensation |
|---|---|---|
COMMERCE BANK10+ years Filed as: THE COMMERCE TRUST COMPANY Service code 16 · EIN 43-0962626 | Consulting | $76,913 |
TRANSAMERICA RETIREMENT SOLUTIONS10+ years Service code 12 · EIN 13-3689044 | Sales loads (front end and deferred);... | $3,851 |
NATIONAL FINANCIAL SERVICES10+ years Service code 33 · EIN 04-3523567 | Securities brokerage commissions and ... | $0 |
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 | $176,904 | $92,076+92.1% | $105,608+67.5% | $77,714+127.6% |
| Participation rate | 78.8% | 81.0%-2.2pp | 75.3%+3.5pp | 70.6%+8.2pp |
| Annual return | 16.53% | 17.84%-1.3pp | 116.50%-100.0pp | 31.26%-14.7pp |
| Employer contribution / active EE | $2,426 | $3,370-28.0% | $3,167-23.4% | $2,727-11.0% |
| Participant deferral / active EE | $6,389 | $5,390+18.5% | $5,010+27.5% | $4,649+37.4% |
| Admin fee / account holder | $266 | $219+21.5% | $11,028-97.6% | $433-38.6% |