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| Provider | Service type | Compensation |
|---|---|---|
Filed as: SHEPHERD FINANCIAL INV Service code 26 · EIN 82-0759826 | Advisory (Participants) | $21,283 |
AMERICAN UNITED LIFE INSURANCE CO10+ years Service code 15 · EIN 35-0145825 | Recordkeeping | $6,631 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $44,802 | $58,859-23.9% | $129,339-65.4% | $77,692-42.3% |
| Participation rate | 32.6% | 59.3%-26.7pp | 69.6%-37.0pp | 70.6%-37.9pp |
| Annual return | 12.83% | 24.74%-11.9pp | 9437.05%-9424.2pp | 31.25%-18.4pp |
| Employer contribution / active EE | $769 | $1,952-60.6% | $4,154-81.5% | $2,726-71.8% |
| Participant deferral / active EE | $734 | $3,215-77.2% | $4,170-82.4% | $4,648-84.2% |
| Admin fee / account holder | $102 | $591-82.8% | $7,668-98.7% | $431-76.3% |