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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 | $58,911-24.0% | $129,384-65.4% | $77,736-42.4% |
| Participation rate | 32.6% | 59.4%-26.8pp | 69.6%-37.0pp | 70.6%-38.0pp |
| Annual return | 12.83% | 24.75%-11.9pp | 9461.77%-9448.9pp | 31.26%-18.4pp |
| Employer contribution / active EE | $769 | $1,955-60.6% | $4,153-81.5% | $2,728-71.8% |
| Participant deferral / active EE | $734 | $3,220-77.2% | $4,166-82.4% | $4,651-84.2% |
| Admin fee / account holder | $102 | $592-82.8% | $7,686-98.7% | $433-76.5% |