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| Provider | Service type | Compensation |
|---|---|---|
CREATIVE PLANNING LLC1 year Service code 27 · EIN 84-4519624 | Advisory (Plan) | $55,000 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $46,404 |
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 | $85,898 | $89,465-4.0% | $165,071-48.0% | $77,736+10.5% |
| Participation rate | 77.1% | 78.6%-1.5pp | 78.6%-1.5pp | 70.6%+6.5pp |
| Annual return | 14.76% | 28.86%-14.1pp | 70.17%-55.4pp | 31.26%-16.5pp |
| Employer contribution / active EE | $2,362 | $2,565-7.9% | $4,347-45.7% | $2,728-13.4% |
| Participant deferral / active EE | $6,421 | $4,904+30.9% | $6,035+6.4% | $4,651+38.1% |
| Admin fee / account holder | $166 | $340-51.1% | $12,695-98.7% | $433-61.6% |