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| Provider | Service type | Compensation |
|---|---|---|
CREATIVE PLANNING LLC2 years Filed as: CREATIVE PLANNING Service code 26 · EIN 45-5091060 | Advisory (Participants) | $36,047 |
Filed as: TPP RETIREMENT PLAN SPECIALISTS Service code 14 · EIN 20-1301962 | Plan Administrator | $19,189 |
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.)
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 | $79,459 | $65,246+21.8% | $98,716-19.5% | $67,986+16.9% |
| Participation rate | 48.0% | 51.4%-3.5pp | 69.3%-21.3pp | 57.2%-9.3pp |
| Annual return | 18.59% | 20.58%-2.0pp | 31.81%-13.2pp | 31.67%-13.1pp |
| Employer contribution / active EE | $221 | $1,042-78.8% | $2,279-90.3% | $2,019-89.1% |
| Participant deferral / active EE | $2,889 | $2,594+11.3% | $4,048-28.6% | $3,358-14.0% |
| Admin fee / account holder | $412 | $4,561-91.0% | $8,703-95.3% | $3,203-87.1% |