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| Provider | Service type | Compensation |
|---|---|---|
THE VANGUARD GROUP, INC.1 year Service code 15 · EIN 23-1945930 | Recordkeeping | $5,920 |
CREATIVE PLANNING LLC2 years Filed as: CREATIVE PLANNING Service code 27 · EIN 43-1270780 | Advisory (Plan) | $3,616 |
LT TRUST COMPANY1 year Filed as: LT TRUST Service code 12 · EIN 80-0510033 | Custodial (other than securities); Pa... | $2,315 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $27,972 | $58,888-52.5% | $178,499-84.3% | $73,493-61.9% |
| Participation rate | 46.6% | 66.2%-19.7pp | 81.9%-35.4pp | 70.7%-24.1pp |
| Annual return | 20.53% | 24.86%-4.3pp | 151.10%-130.6pp | 28.51%-8.0pp |
| Employer contribution / active EE | $1,423 | $2,236-36.3% | $5,011-71.6% | $2,270-37.3% |
| Participant deferral / active EE | $2,618 | $2,568+2.0% | $5,202-49.7% | $3,740-30.0% |
| Admin fee / account holder | $128 | $400-67.9% | $13,986-99.1% | $513-75.0% |