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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $24,906 |
CREATIVE PLANNING LLC2 years Service code 27 · EIN 84-4519624 | Advisory (Plan) | $15,000 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $111,339 | $54,679+103.6% | $76,119+46.3% | $74,459+49.5% |
| Participation rate | 58.5% | 60.3%-1.8pp | 69.1%-10.5pp | 67.2%-8.7pp |
| Annual return | 13.90% | 31.90%-18.0pp | 361.25%-347.3pp | 1369.70%-1355.8pp |
| Employer contribution / active EE | $3,690 | $1,781+107.1% | $2,693+37.0% | $2,626+40.5% |
| Participant deferral / active EE | $7,776 | $3,072+153.1% | $4,259+82.6% | $4,350+78.8% |
| Admin fee / account holder | $427 | $2,238-80.9% | $6,421-93.4% | $1,945-78.1% |