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| Provider | Service type | Compensation |
|---|---|---|
THE VANGUARD GROUP, INC.8+ years Service code 15 · EIN 23-1945930 | Recordkeeping | $414,781 |
CREATIVE PLANNING LLC1 year Filed as: CREATIVE PLANNING Service code 16 · EIN 84-4519624 | Consulting | $63,750 |
AMERICAN FUNDS1 year Filed as: HM CAPITAL MANAGEMENT, LLC Service code 16 · EIN 20-3287389 | Consulting | $37,708 |
ARMANINO LLP1 year Service code 99 · EIN 94-6214841 | Other Fees | $14,000 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $51,871 | $39,166+32.4% | $79,591-34.8% | $78,104-33.6% |
| Participation rate | 56.4% | 57.3%-0.9pp | 69.5%-13.1pp | 74.5%-18.1pp |
| Annual return | 18.39% | -9.39%+27.8pp | 0.18%+18.2pp | 10.90%+7.5pp |
| Employer contribution / active EE | $1,174 | $1,019+15.3% | $2,413-51.3% | $3,128-62.4% |
| Participant deferral / active EE | $3,417 | $2,079+64.3% | $3,986-14.3% | $5,089-32.9% |
| Admin fee / account holder | $111 | $67+65.2% | $6,815-98.4% | $79+40.4% |