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| Provider | Service type | Compensation |
|---|---|---|
WINTRUST INVESTMENTS LLC2 years Service code 27 · EIN 36-1245570 | Advisory (Plan) | $24,830 |
Service code 37 · EIN 04-2647786 | Loan Processing | $16,295 |
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).
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 | $93,752 | $52,961+77.0% | $172,755-45.7% | $65,185+43.8% |
| Participation rate | 41.7% | 66.2%-24.5pp | 82.6%-41.0pp | 70.2%-28.5pp |
| Annual return | 20.36% | 30.12%-9.8pp | 802.94%-782.6pp | 29.38%-9.0pp |
| Employer contribution / active EE | $88 | $2,190-96.0% | $5,144-98.3% | $2,177-95.9% |
| Participant deferral / active EE | $2,945 | $2,471+19.2% | $5,198-43.3% | $3,514-16.2% |
| Admin fee / account holder | $587 | $472+24.5% | $13,955-95.8% | $847-30.7% |