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| Provider | Service type | Compensation |
|---|---|---|
Filed as: SHEPHERD FINANCIAL INVESTMENT Service code 27 · EIN 82-0759826 | Advisory (Plan) | $41,769 |
Service code 60 · EIN 04-2647786 | Sub-TA Fees | $35,286 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $57,474 | $56,152+2.4% | $185,861-69.1% | $73,412-21.7% |
| Participation rate | 46.7% | 67.6%-20.9pp | 78.0%-31.3pp | 72.2%-25.5pp |
| Annual return | 17.77% | 17.59%+0.2pp | 35.96%-18.2pp | 59.30%-41.5pp |
| Employer contribution / active EE | $1,251 | $1,532-18.3% | $4,088-69.4% | $2,234-44.0% |
| Participant deferral / active EE | $2,670 | $3,659-27.0% | $5,634-52.6% | $3,806-29.9% |
| Admin fee / account holder | $286 | $132+116.9% | $9,503-97.0% | $158+81.4% |