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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $74,686 |
WINTRUST INVESTMENTS LLC4 years Service code 27 · EIN 36-1245570 | Advisory (Plan) | $56,343 |
CJG PARTNERS LLP1 year Filed as: CJG PARTNERS Service code 16 · EIN 36-3383864 | Consulting | $13,900 |
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 | $61,814 | $185,342-66.6% | $111,306-44.5% | $86,821-28.8% |
| Participation rate | 60.2% | 81.0%-20.8pp | 77.3%-17.1pp | 72.3%-12.1pp |
| Annual return | 10.94% | 500.80%-489.9pp | 54.67%-43.7pp | 97.94%-87.0pp |
| Employer contribution / active EE | $521 | $2,246-76.8% | $2,732-80.9% | $2,406-78.3% |
| Participant deferral / active EE | $3,297 | $4,458-26.1% | $4,488-26.5% | $4,132-20.2% |
| Admin fee / account holder | $357 | $255+39.7% | $7,966-95.5% | $170+110.5% |