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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $64,247 |
WINTRUST INVESTMENTS LLC3 years Service code 27 · EIN 36-1245570 | Advisory (Plan) | $49,954 |
Filed as: CHARLES J. GRIES & C Service code 10 · EIN 36-3383864 | Accounting | $8,784 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $56,831 | $79,519-28.5% | $95,964-40.8% | $73,412-22.6% |
| Participation rate | 56.0% | 81.2%-25.2pp | 77.1%-21.1pp | 72.2%-16.2pp |
| Annual return | 11.14% | 19.20%-8.1pp | 91.64%-80.5pp | 59.30%-48.2pp |
| Employer contribution / active EE | $418 | $2,048-79.6% | $2,541-83.5% | $2,234-81.3% |
| Participant deferral / active EE | $2,556 | $4,138-38.2% | $4,167-38.7% | $3,806-32.9% |
| Admin fee / account holder | $314 | $184+70.2% | $6,797-95.4% | $158+98.7% |