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| Provider | Service type | Compensation |
|---|---|---|
OLD SECOND BANK4 years Service code 21 · EIN 36-1577458 37 S. RIVER ST · AURORA, IL 60506 | Bank Trustee | $0 |
RETIREMENT DIRECT4 years Service code 64 11120 TREYNORTH DR · CORNELIUS, NC 28031 | Recordkeeping Fees | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $18,042 | $47,648-62.1% | $130,660-86.2% | $67,579-73.3% |
| Participation rate | 59.8% | 60.4%-0.6pp | 71.7%-11.9pp | 71.3%-11.5pp |
| Annual return | 17.78% | 25.73%-8.0pp | 1709.29%-1691.5pp | 378.56%-360.8pp |
| Employer contribution / active EE | $246 | $1,408-82.5% | $4,092-94.0% | $2,148-88.5% |
| Participant deferral / active EE | $1,134 | $2,616-56.7% | $3,603-68.5% | $3,539-68.0% |
| Admin fee / account holder | $178 | $105+69.9% | $5,463-96.7% | $142+25.4% |