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| Provider | Service type | Compensation |
|---|---|---|
Filed as: SHEPHERD FINANCIAL INVESTMENTS Service code 26 111 CONGRESSIONAL BOULEVARD · CARMEL, IN 46032 | Advisory (Participants) | $92,364 |
ASCENSUS LLC1 year Filed as: FUTUREPLAN BY ASCENSUS Service code 17 · EIN 32-7481187 PO BOX 7500 · CHAMPAIGN, IL 61826 | Pension Consulting | $82,078 |
Filed as: JOHN HANCOCK Service code 15 · EIN 01-0233346 P.O. BOX 600 · BUFFALO, NY 14201 | Recordkeeping | $6,041 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $64,416 | $120,450-46.5% | $159,495-59.6% | $93,010-30.7% |
| Participation rate | 52.1% | 78.0%-25.9pp | 82.8%-30.7pp | 73.9%-21.8pp |
| Annual return | 16.97% | 27.11%-10.1pp | 263.72%-246.8pp | 158.70%-141.7pp |
| Employer contribution / active EE | $1,313 | $3,526-62.8% | $4,831-72.8% | $2,705-51.5% |
| Participant deferral / active EE | $3,319 | $7,283-54.4% | $7,354-54.9% | $4,561-27.2% |
| Admin fee / account holder | $0 | $137-100.0% | $10,804-100.0% | $152-100.0% |