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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $40,838 |
Service code 27 · EIN 13-2638166 | Advisory (Plan) | $19,750 |
WINTRUST INVESTMENTS LLC2+ years Service code 27 · EIN 36-1245570 | Advisory (Plan) | $16,310 |
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.
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 | $74,276 | $88,479-16.1% | $96,520-23.0% | $80,149-7.3% |
| Participation rate | 32.7% | 79.9%-47.3pp | 74.3%-41.7pp | 72.9%-40.3pp |
| Annual return | 31.83% | 22.53%+9.3pp | 35.72%-3.9pp | 40.39%-8.6pp |
| Employer contribution / active EE | $798 | $4,177-80.9% | $3,739-78.7% | $2,977-73.2% |
| Participant deferral / active EE | $2,511 | $3,961-36.6% | $4,879-48.5% | $5,015-49.9% |
| Admin fee / account holder | $125 | $211-40.8% | $6,733-98.1% | $145-13.6% |