Filed January 30, 2025
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| Provider | Service type | Compensation |
|---|---|---|
SMITH & HOWARD, PC1 year Filed as: NR SMITH AND ASSOCIA Service code 16 · EIN 91-0959909 | Consulting | $8,781 |
Service code 37 · EIN 04-2647786 | Loan Processing | $550 |
ALLSTATE FINANCIAL SERVICES LLC2+ years Service code 61 · EIN 47-0826838 | Finders' fees / placement fees | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $50,179 | $42,546+17.9% | $71,796-30.1% | $55,167-9.0% |
| Participation rate | 44.1% | 59.1%-15.0pp | 69.1%-25.0pp | 69.0%-24.9pp |
| Annual return | 8.11% | 12.36%-4.2pp | 78.04%-69.9pp | 169.23%-161.1pp |
| Employer contribution / active EE | $665 | $803-17.2% | $1,924-65.4% | $1,963-66.1% |
| Participant deferral / active EE | $2,360 | $2,064+14.3% | $2,794-15.5% | $3,054-22.7% |
| Admin fee / account holder | $78 | $650-87.9% | $4,815-98.4% | $504-84.4% |