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| Provider | Service type | Compensation |
|---|---|---|
OLD SECOND BANK8 years Service code 21 · EIN 36-1577458 | Bank Trustee | $86,299 |
Filed as: TRANSAMERICA FINANCIAL LIFE INS. CO Service code 15 · EIN 36-6071399 | Recordkeeping | $30,163 |
Service code 15 · EIN 62-1874769 | Recordkeeping | $23,878 |
RETIREMENT DIRECT8 years Service code 64 11120 TREYNORTH DR. · CORNELIUS, NC 28031 | Recordkeeping Fees | $21,644 |
STIFEL NICOLAUS & CO INC1 year Filed as: STIFEL, NICOLAUS & COMPANY, INC. Service code 27 · EIN 43-0538770 | Advisory (Plan) | $1,757 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $29,711 | $53,344-44.3% | $121,204-75.5% | $74,460-60.1% |
| Participation rate | 54.8% | 60.0%-5.2pp | 69.5%-14.7pp | 70.7%-15.9pp |
| Annual return | 21.11% | 35.15%-14.0pp | 987.18%-966.1pp | 34.38%-13.3pp |
| Employer contribution / active EE | $257 | $1,898-86.5% | $4,170-93.8% | $2,638-90.3% |
| Participant deferral / active EE | $1,213 | $3,220-62.3% | $4,083-70.3% | $4,530-73.2% |
| Admin fee / account holder | $455 | $382+19.1% | $5,651-92.0% | $348+30.8% |