Filed September 24, 2025 (most recent of 3 filings on file)
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| Provider | Service type | Compensation |
|---|---|---|
CMFG LIFE INSURANCE COMPANY4 years Service code 15 · EIN 39-0230590 | Recordkeeping | $31,972 |
CMFG LIFE INSURANCE COMPANY2 years Filed as: MEMBERS CAPITAL ADVISORS, INC. Service code 27 · EIN 42-0388260 | Advisory (Plan) | $7,855 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $65,186 | $102,661-36.5% | $151,645-57.0% | $66,949-2.6% |
| Participation rate | 95.2% | 85.5%+9.6pp | 87.5%+7.7pp | 69.8%+25.3pp |
| Annual return | -17.79% | -10.81%-7.0pp | 3.34%-21.1pp | 1.57%-19.4pp |
| Employer contribution / active EE | $3,771 | $4,184-9.9% | $6,165-38.8% | $2,545+48.1% |
| Participant deferral / active EE | $4,208 | $6,645-36.7% | $8,363-49.7% | $4,239-0.7% |
| Admin fee / account holder | $304 | $630-51.8% | $11,614-97.4% | $594-48.8% |