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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 | $89,435-4.0% | $164,975-47.9% | $77,714+10.5% |
| Participation rate | 77.1% | 78.6%-1.5pp | 78.6%-1.5pp | 70.6%+6.5pp |
| Annual return | 14.76% | 28.82%-14.1pp | 70.12%-55.4pp | 31.26%-16.5pp |
| Employer contribution / active EE | $2,362 | $2,563-7.8% | $4,343-45.6% | $2,727-13.4% |
| Participant deferral / active EE | $6,421 | $4,901+31.0% | $6,033+6.4% | $4,649+38.1% |
| Admin fee / account holder | $166 | $340-51.1% | $12,688-98.7% | $433-61.6% |