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| Provider | Service type | Compensation |
|---|---|---|
ASCENSUS LLC7 years Service code 15 · EIN 11-3665754 | Recordkeeping | $13,832 |
WINTRUST INVESTMENTS LLC3 years Filed as: WINTRUST WEALTH MANAGEMENT Service code 27 231 S. LASALLE · CHICAGO, IL 60604 | Advisory (Plan) | $13,312 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $36,220 | $54,517-33.6% | $75,972-52.3% | $74,495-51.4% |
| Participation rate | 36.6% | 60.3%-23.7pp | 69.1%-32.5pp | 67.2%-30.6pp |
| Annual return | 9.81% | 31.82%-22.0pp | 359.55%-349.7pp | 1364.94%-1355.1pp |
| Employer contribution / active EE | $440 | $1,777-75.2% | $2,685-83.6% | $2,623-83.2% |
| Participant deferral / active EE | $1,265 | $3,066-58.7% | $4,255-70.3% | $4,346-70.9% |
| Admin fee / account holder | $240 | $2,229-89.2% | $6,467-96.3% | $1,942-87.6% |