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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $31,794 |
CREATIVE PLANNING LLC2 years Service code 27 · EIN 84-4519624 | Advisory (Plan) | $24,008 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $46,314 | $29,554+56.7% | $56,054-17.4% | $77,692-40.4% |
| Participation rate | 19.3% | 32.6%-13.4pp | 52.5%-33.2pp | 70.6%-51.3pp |
| Annual return | 12.00% | 18.89%-6.9pp | 1705.95%-1693.9pp | 31.25%-19.2pp |
| Employer contribution / active EE | $205 | $568-63.8% | $1,039-80.2% | $2,726-92.5% |
| Participant deferral / active EE | $1,237 | $1,061+16.6% | $1,952-36.6% | $4,648-73.4% |
| Admin fee / account holder | $247 | $1,046-76.4% | $2,822-91.3% | $431-42.6% |