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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $103,912 |
SHEPHERD KAPLAN LLC7+ years Service code 28 · EIN 83-0368447 | Investment Management | $32,500 |
HAYS COMPANIES1 year Filed as: HAYS FINANCIAL GROUP Service code 27 · EIN 41-1931920 | Advisory (Plan) | $18,361 |
Employer contribution per participant 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 | $32,273 | $71,142-54.6% | $119,622-73.0% | $64,819-50.2% |
| Participation rate | 93.4% | 78.6%+14.8pp | 79.3%+14.1pp | 71.5%+21.9pp |
| Annual return | -16.42% | -10.01%-6.4pp | -14.98%-1.4pp | 32.84%-49.3pp |
| Employer contribution / active EE | $407 | $2,497-83.7% | $4,232-90.4% | $2,507-83.8% |
| Participant deferral / active EE | $4,335 | $4,490-3.5% | $5,601-22.6% | $4,311+0.5% |
| Admin fee / account holder | $153 | $162-5.6% | $10,328-98.5% | $188-18.5% |