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| Provider | Service type | Compensation |
|---|---|---|
COUNTRY TRUST BANK4 years Service code 15 1705 TOWANDA AVE · BLOOMINGTON, IL 61701 | Recordkeeping | $33,897 |
AMERICAN FUNDS4 years Filed as: CAPITAL RESEARCH & MGMT COMPANY Service code 52 333 SOUTH HOPE STREET · LOS ANGELES, CA 90071 | Indirect Investment Fees | $0 |
COHEN & STEERS1 year Filed as: COHEN & STEERS CAPITAL MGMT INC Service code 52 280 PARK AVENUE · NEW YORK, NC 10017 | Indirect Investment Fees | $0 |
Filed as: FIDELITY MANAGEMENT & RESEARCH CO Service code 52 3805 EDWARDS RD · CINCINNATI, OH 45209 | Indirect Investment Fees | $0 |
Service code 52 345 PARK AVENUE · NEW YORK, NY 10017 | Indirect Investment Fees | $0 |
BAIRD FUNDS1 year Filed as: ROBERT W BAIRD & CO Service code 52 777 E WISCONSIN AVE · MILWAUKEE, WA 53202 | Indirect Investment Fees | $0 |
BAIRD FUNDS1 year Filed as: ROBERT W BAIRD CO Service code 52 | Indirect Investment Fees | $0 |
T ROWE PRICE RPS INC2 years Filed as: T ROWE PRICE ASSOCIATES INC Service code 52 100 EAST PRATT STREET · BALTIMORE, MD 21202 | Indirect Investment Fees | $0 |
THE VANGUARD GROUP, INC.2 years Filed as: THE VANGUARD GROUP INC Service code 52 PO BOX 2900 · VALLEY FORGE, PA 19482 | Indirect Investment Fees | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $33,299 | $60,776-45.2% | $85,693-61.1% | $79,393-58.1% |
| Participation rate | 59.6% | 62.1%-2.5pp | 69.9%-10.2pp | 70.7%-11.1pp |
| Annual return | 10.08% | 16.57%-6.5pp | 21.49%-11.4pp | 116.87%-106.8pp |
| Employer contribution / active EE | $0 | $1,663-100.0% | $2,618-100.0% | $2,428-100.0% |
| Participant deferral / active EE | $859 | $2,919-70.6% | $3,923-78.1% | $4,046-78.8% |
| Admin fee / account holder | $239 | $438-45.6% | $6,874-96.5% | $627-61.9% |