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| Provider | Service type | Compensation |
|---|---|---|
Filed as: PROFESSIONAL CAPITAL SERVICES LLC Service code 12 · EIN 23-3038464 | Recordkeeping fees; Contract Administ... | $11,978 |
Service code 13 · EIN 52-0783935 | Contract Administrator | $5,549 |
CREATIVE PLANNING LLC1 year Filed as: CREATIVE FINANCIAL GROUP Service code 22 16 CAMPUS BLVD SUITE 200 · NEWTOWN SQUARE, PA 19073 | Insurance Broker | $5,499 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $16,334 | $54,573-70.1% | $90,970-82.0% | $73,493-77.8% |
| Participation rate | 66.0% | 61.2%+4.9pp | 69.0%-3.0pp | 70.7%-4.7pp |
| Annual return | 23.09% | 16.69%+6.4pp | 134.58%-111.5pp | 28.51%-5.4pp |
| Employer contribution / active EE | $611 | $991-38.3% | $2,122-71.2% | $2,270-73.1% |
| Participant deferral / active EE | $1,574 | $2,517-37.5% | $3,373-53.3% | $3,740-57.9% |
| Admin fee / account holder | $230 | $521-56.0% | $5,960-96.1% | $513-55.3% |