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| Provider | Service type | Compensation |
|---|---|---|
WINTRUST INVESTMENTS LLC2+ years Filed as: WAYNE HUMMER INVESTMENTS LLC Service code 27 · EIN 36-1245570 | Advisory (Plan) | $6,470 |
Service code 37 · EIN 04-2647786 | Loan Processing | $5,740 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $86,174 | $46,732+84.4% | $156,551-45.0% | $55,167+56.2% |
| Participation rate | 38.7% | 65.8%-27.1pp | 84.0%-45.3pp | 69.0%-30.3pp |
| Annual return | 5.97% | 17.72%-11.7pp | 32.23%-26.3pp | 169.23%-163.3pp |
| Employer contribution / active EE | $0 | $2,105-100.0% | $5,501-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $2,195 | $2,204-0.4% | $4,871-54.9% | $3,054-28.1% |
| Admin fee / account holder | $248 | $418-40.6% | $13,028-98.1% | $504-50.7% |