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| Provider | Service type | Compensation |
|---|---|---|
Service code 26 · EIN 71-0294708 | Advisory (Participants) | $20,031 |
STOCK YARDS BANK & TRUST2 years Filed as: STOCK YARDS BANK AND TRUST CO. Service code 99 · EIN 61-0354170 | Other Fees | $11,994 |
STOTHMAN AND COMPANY1 year Service code 10 · EIN 61-1191655 | Accounting | $9,900 |
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.
Employer 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.)
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 | $75,206 | $72,303+4.0% | $86,698-13.3% | $64,824+16.0% |
| Participation rate | 23.2% | 80.4%-57.2pp | 76.6%-53.4pp | 71.5%-48.3pp |
| Annual return | -16.45% | 392.77%-409.2pp | 35.96%-52.4pp | 32.84%-49.3pp |
| Employer contribution / active EE | $474 | $2,393-80.2% | $2,837-83.3% | $2,507-81.1% |
| Participant deferral / active EE | $2,177 | $4,660-53.3% | $4,656-53.3% | $4,311-49.5% |
| Admin fee / account holder | $374 | $174+115.0% | $7,492-95.0% | $188+99.2% |