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| Provider | Service type | Compensation |
|---|---|---|
COMMERCE BANK10+ years Filed as: COMMERCE BANK, N.A. Service code 27 · EIN 43-6334070 | Advisory (Plan) | $21,633 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $1,012 | $29,670-96.6% | $56,054-98.2% | $80,911-98.7% |
| Participation rate | 100.0% | 41.7%+58.3pp | 52.5%+47.5pp | 67.6%+32.4pp |
| Annual return | 0.00% | 35.24%-35.2pp | 1705.95%-1705.9pp | 35.63%-35.6pp |
| Employer contribution / active EE | $0 | $670-100.0% | $1,039-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $0 | $1,227-100.0% | $1,952-100.0% | $4,297-100.0% |
| Admin fee / account holder | $43 | $2,431-98.2% | $2,822-98.5% | $6,935-99.4% |