Filed September 18, 2025 (most recent of 2 filings on file)
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| Provider | Service type | Compensation |
|---|---|---|
CMFG LIFE INSURANCE COMPANY5+ years Service code 15 · EIN 39-0230590 | Recordkeeping | $44,977 |
Filed as: MEMBERS CAPITAL ADVISORS, INC. D/B/ Service code 27 · EIN 42-0388260 | Advisory (Plan) | $20,890 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $159,060 | $98,982+60.7% | $162,185-1.9% | $65,186+144.0% |
| Participation rate | 100.0% | 85.8%+14.2pp | 87.6%+12.4pp | 70.2%+29.8pp |
| Annual return | 17.00% | 24.84%-7.8pp | 115.61%-98.6pp | 29.39%-12.4pp |
| Employer contribution / active EE | $8,381 | $3,467+141.8% | $5,613+49.3% | $2,177+285.0% |
| Participant deferral / active EE | $3,834 | $5,384-28.8% | $7,297-47.5% | $3,514+9.1% |
| Admin fee / account holder | $333 | $596-44.2% | $10,844-96.9% | $847-60.7% |