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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 | $54,558+104.1% | $76,051+46.4% | $74,400+49.6% |
| Participation rate | 58.5% | 60.3%-1.8pp | 69.1%-10.5pp | 67.2%-8.7pp |
| Annual return | 13.90% | 31.83%-17.9pp | 360.42%-346.5pp | 1367.51%-1353.6pp |
| Employer contribution / active EE | $3,690 | $1,778+107.6% | $2,690+37.2% | $2,624+40.6% |
| Participant deferral / active EE | $7,776 | $3,065+153.7% | $4,257+82.7% | $4,348+78.8% |
| Admin fee / account holder | $427 | $2,232-80.9% | $6,416-93.4% | $1,944-78.1% |