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| Provider | Service type | Compensation |
|---|---|---|
REAMS ASSET MANAGEMENT4+ years Filed as: UMB BANK NA Service code 27 · EIN 44-0201230 | Advisory (Plan) | $30,764 |
BMO HARRIS BANK NA4+ years Service code 21 · EIN 36-2085229 | Bank Trustee | $29,805 |
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $76,926 | $66,319+16.0% | $93,621-17.8% | $65,186+18.0% |
| Participation rate | 100.0% | 74.0%+26.0pp | 75.8%+24.2pp | 70.2%+29.8pp |
| Annual return | 10.84% | 42.59%-31.7pp | 32.76%-21.9pp | 29.39%-18.5pp |
| Employer contribution / active EE | $5,956 | $2,013+195.9% | $2,719+119.1% | $2,177+173.6% |
| Participant deferral / active EE | $497 | $3,343-85.1% | $4,070-87.8% | $3,514-85.8% |
| Admin fee / account holder | $388 | $6,900-94.4% | $7,890-95.1% | $847-54.2% |