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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $40,008 |
COMMERCE BANK1 year Filed as: THE COMMERCE TRUST COMPANY Service code 27 · EIN 48-0962626 | Advisory (Plan) | $39,981 |
Counterparties on defaulted loans (Part 1), defaulted leases (Part 2), and non-exempt prohibited transactions (Part 3). Presence of any row warrants fiduciary review.
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $33,035 | $89,274-63.0% | $149,721-77.9% | $77,958-57.6% |
| Participation rate | 54.5% | 87.6%-33.2pp | 87.1%-32.6pp | 71.6%-17.2pp |
| Annual return | 27.22% | 20.36%+6.9pp | 1501.67%-1474.4pp | 20.87%+6.4pp |
| Employer contribution / active EE | $1,500 | $3,727-59.7% | $5,444-72.4% | $2,310-35.1% |
| Participant deferral / active EE | $3,933 | $5,382-26.9% | $6,568-40.1% | $3,537+11.2% |
| Admin fee / account holder | $112 | $240-53.2% | $11,282-99.0% | $97+15.3% |