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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MASSACHUSETTS MUTUAL LIFE INS CO Service code 49 · EIN 04-1590850 | Other Services | $28,566 |
Filed as: FIRST MID-ILLINOIS BANK & TRUST N.A Service code 21 | Bank Trustee | $14,824 |
Service code 13 | Contract Administrator | $2,377 |
Filed as: BENEFIT PLANNING CONSULTANTS, INC Service code 13 · EIN 36-3036100 2110 CLEARLAKE BLVD, STE 200 · CHAMPAIGN, IL 61826 | Contract Administrator | $0 |
Service code 21 · EIN 37-0404035 | Bank Trustee | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $41,823 | $66,302-36.9% | $110,243-62.1% | $56,287-25.7% |
| Participation rate | 75.7% | 74.9%+0.8pp | 79.8%-4.1pp | 69.9%+5.8pp |
| Annual return | -2.80% | -1.18%-1.6pp | 314.76%-317.6pp | -9.96%+7.2pp |
| Employer contribution / active EE | $901 | $2,047-56.0% | $3,827-76.5% | $2,111-57.3% |
| Participant deferral / active EE | $2,607 | $3,381-22.9% | $4,672-44.2% | $3,350-22.2% |
| Admin fee / account holder | $317 | $698-54.6% | $8,548-96.3% | $521-39.1% |