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| Provider | Service type | Compensation |
|---|---|---|
Filed as: SHEPHERD FINANCIAL INV Service code 26 · EIN 82-0759826 | Advisory (Participants) | $16,134 |
Filed as: AMERICAN UNITED LIFE INSURANCE CO. Service code 15 · EIN 35-0145825 | Recordkeeping | $1,200 |
Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $0 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $123,398 | $69,383+77.9% | $101,264+21.9% | $73,493+67.9% |
| Participation rate | 77.9% | 68.4%+9.5pp | 75.8%+2.1pp | 70.7%+7.2pp |
| Annual return | 23.87% | 18.46%+5.4pp | 46.48%-22.6pp | 28.51%-4.6pp |
| Employer contribution / active EE | $268 | $2,628-89.8% | $3,660-92.7% | $2,270-88.2% |
| Participant deferral / active EE | $5,579 | $3,301+69.0% | $4,370+27.7% | $3,740+49.2% |
| Admin fee / account holder | $165 | $704-76.5% | $5,947-97.2% | $513-67.8% |