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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 35-0145825 | Loan Processing | $22,755 |
Filed as: SHEPHERD FINANCIAL INV Service code 26 · EIN 82-0759826 | Advisory (Participants) | $10,824 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $15,899 | $56,511-71.9% | $185,837-91.4% | $86,813-81.7% |
| Participation rate | 50.6% | 65.5%-14.9pp | 81.7%-31.1pp | 72.3%-21.6pp |
| Annual return | 24.69% | 118.12%-93.4pp | 122.08%-97.4pp | 97.93%-73.2pp |
| Employer contribution / active EE | $334 | $1,844-81.9% | $5,168-93.5% | $2,406-86.1% |
| Participant deferral / active EE | $1,197 | $2,554-53.1% | $5,568-78.5% | $4,131-71.0% |
| Admin fee / account holder | $47 | $150-68.3% | $16,241-99.7% | $170-72.0% |