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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 35-0145825 | Recordkeeping | $23,063 |
Filed as: SHEPHERD FINANCIAL INV Service code 26 · EIN 82-0759826 | Advisory (Participants) | $11,297 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $6,771 | $50,860-86.7% | $155,574-95.6% | $77,714-91.3% |
| Participation rate | 60.5% | 63.1%-2.6pp | 78.2%-17.7pp | 70.6%-10.1pp |
| Annual return | 23.81% | 34.86%-11.1pp | 64.87%-41.1pp | 31.26%-7.4pp |
| Employer contribution / active EE | $302 | $1,991-84.9% | $4,676-93.6% | $2,727-88.9% |
| Participant deferral / active EE | $893 | $2,825-68.4% | $5,629-84.1% | $4,649-80.8% |
| Admin fee / account holder | $23 | $436-94.7% | $15,914-99.9% | $433-94.7% |