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| Provider | Service type | Compensation |
|---|---|---|
THE VANGUARD GROUP, INC.9+ years Service code 15 · EIN 23-1945930 | Recordkeeping | $521,143 |
CREATIVE PLANNING LLC1 year Service code 16 · EIN 84-4519624 | Consulting | $43,350 |
Filed as: FIDELITY INVEST INST OPS CO LLC Service code 14 · EIN 04-3532603 | Plan Administrator | $22,249 |
PLANTE & MORAN, PLLC1 year Filed as: PLANTE & MORAN PLLC Service code 99 · EIN 38-1357951 | Other Fees | $17,000 |
Filed as: FENNER, MELSTROM & DOOLING PLC Service code 99 · EIN 38-1402622 | Other Fees | $12,000 |
ARMANINO LLP2 years Service code 99 · EIN 94-6214841 | Other Fees | $5,250 |
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 | $71,499 | $40,592+76.1% | $86,251-17.1% | $103,657-31.0% |
| Participation rate | 61.7% | 58.1%+3.5pp | 69.0%-7.3pp | 73.4%-11.7pp |
| Annual return | 85.01% | 18.32%+66.7pp | 1170.54%-1085.5pp | 33.13%+51.9pp |
| Employer contribution / active EE | $1,208 | $974+24.1% | $2,381-49.3% | $3,216-62.4% |
| Participant deferral / active EE | $3,892 | $2,072+87.8% | $3,987-2.4% | $5,218-25.4% |
| Admin fee / account holder | $95 | $85+12.3% | $6,857-98.6% | $114-16.6% |