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| Provider | Service type | Compensation |
|---|---|---|
HEARTLAND TRUST COMPANY2+ years Service code 12 · EIN 45-0414941 | Claims processing | $6,938 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $21,732 | $74,089-70.7% | $133,975-83.8% | $55,167-60.6% |
| Participation rate | 63.2% | 84.3%-21.1pp | 87.1%-23.9pp | 69.0%-5.8pp |
| Annual return | 2.58% | 12.11%-9.5pp | 29.29%-26.7pp | 169.23%-166.6pp |
| Employer contribution / active EE | $0 | $3,064-100.0% | $5,211-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $0 | $4,678-100.0% | $6,282-100.0% | $3,054-100.0% |
| Admin fee / account holder | $145 | $458-68.4% | $9,324-98.4% | $504-71.3% |