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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 35-0145825 | Recordkeeping | $23,634 |
Filed as: SHEPHERD FINANCIAL INV Service code 26 · EIN 82-0759826 | Advisory (Participants) | $10,349 |
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 | $9,507 | $46,332-79.5% | $143,799-93.4% | $64,819-85.3% |
| Participation rate | 47.6% | 64.2%-16.6pp | 80.3%-32.7pp | 71.5%-23.8pp |
| Annual return | -14.67% | -10.05%-4.6pp | -0.04%-14.6pp | 32.84%-47.5pp |
| Employer contribution / active EE | $329 | $1,911-82.8% | $4,952-93.3% | $2,507-86.9% |
| Participant deferral / active EE | $1,001 | $2,647-62.2% | $5,638-82.2% | $4,311-76.8% |
| Admin fee / account holder | $34 | $154-77.9% | $14,677-99.8% | $188-81.9% |