Filed October 4, 2024 (most recent of 2 filings on file)
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: SHEPHERD FINANCIAL INVESTMENT Service code 27 · EIN 82-0759826 | Advisory (Plan) | $88,955 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $49,712 |
STRATEGIC ADVISORS, INC.5 years Service code 27 · EIN 04-2654524 | Advisory (Plan) | $14,054 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Form 5500 reported that benefits due were not provided when due.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $100,985 | $55,347+82.5% | $120,580-16.3% | $200,096-49.5% |
| Participation rate | 30.7% | 52.9%-22.2pp | 72.0%-41.3pp | 72.0%-41.4pp |
| Annual return | 16.04% | 15.37%+0.7pp | 107.48%-91.4pp | 34.26%-18.2pp |
| Employer contribution / active EE | $624 | $1,296-51.8% | $3,469-82.0% | $3,038-79.5% |
| Participant deferral / active EE | $1,466 | $2,350-37.6% | $4,995-70.7% | $5,090-71.2% |
| Admin fee / account holder | $154 | $134+14.5% | $9,418-98.4% | $269-43.0% |