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| Provider | Service type | Compensation |
|---|---|---|
WINTRUST INVESTMENTS LLC1 year Service code 27 · EIN 36-1245570 | Advisory (Plan) | $24,063 |
Service code 37 · EIN 04-2647786 | Loan Processing | $16,135 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $85,606 | $47,977+78.4% | $154,111-44.5% | $56,287+52.1% |
| Participation rate | 38.6% | 66.2%-27.5pp | 83.0%-44.4pp | 69.9%-31.2pp |
| Annual return | -5.14% | 3.54%-8.7pp | 735.18%-740.3pp | -9.96%+4.8pp |
| Employer contribution / active EE | $59 | $2,169-97.3% | $5,298-98.9% | $2,111-97.2% |
| Participant deferral / active EE | $2,155 | $2,392-9.9% | $5,081-57.6% | $3,350-35.7% |
| Admin fee / account holder | $566 | $438+29.2% | $13,411-95.8% | $521+8.7% |