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) | $54,948 |
Service code 37 · EIN 04-2647786 | Loan Processing | $23,943 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $82,821 | $97,954-15.4% | $115,170-28.1% | $77,775+6.5% |
| Participation rate | 43.9% | 52.3%-8.4pp | 75.9%-32.0pp | 73.2%-29.3pp |
| Annual return | 23.29% | 23.95%-0.7pp | 35.60%-12.3pp | 32.58%-9.3pp |
| Employer contribution / active EE | $703 | $927-24.1% | $3,179-77.9% | $2,504-71.9% |
| Participant deferral / active EE | $1,398 | $1,655-15.5% | $4,169-66.5% | $3,966-64.7% |
| Admin fee / account holder | $101 | $347-70.8% | $7,089-98.6% | $100+1.4% |