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| Provider | Service type | Compensation |
|---|---|---|
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $34,368 |
Filed as: MESIROW FINANCIAL INC Service code 15 · EIN 36-3194849 | Recordkeeping | $27,996 |
CREATIVE PLANNING LLC1 year Filed as: CREATIVE PLANNING HOLDCO, LLC Service code 15 · EIN 84-4519624 | Recordkeeping | $9,196 |
ADP BROKER-DEALER2 years Service code 59 · EIN 22-3319984 | Shareholder Servicing | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $82,204 | $79,181+3.8% | $102,423-19.7% | $74,429+10.4% |
| Participation rate | 62.0% | 74.8%-12.8pp | 76.5%-14.5pp | 67.2%-5.2pp |
| Annual return | 13.57% | 54.97%-41.4pp | 29.42%-15.9pp | 1368.38%-1354.8pp |
| Employer contribution / active EE | $2,994 | $2,362+26.8% | $3,023-1.0% | $2,625+14.0% |
| Participant deferral / active EE | $5,241 | $4,416+18.7% | $5,054+3.7% | $4,348+20.5% |
| Admin fee / account holder | $306 | $2,002-84.7% | $9,455-96.8% | $1,944-84.3% |