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| Provider | Service type | Compensation |
|---|---|---|
WINTRUST INVESTMENTS LLC3 years Service code 27 · EIN 36-1245570 | Advisory (Plan) | $24,642 |
Service code 37 · EIN 04-2647786 | Loan Processing | $17,756 |
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 | $107,596 | $58,888+82.7% | $178,499-39.7% | $73,493+46.4% |
| Participation rate | 40.3% | 66.2%-25.9pp | 81.9%-41.6pp | 70.7%-30.3pp |
| Annual return | 15.28% | 24.86%-9.6pp | 151.10%-135.8pp | 28.51%-13.2pp |
| Employer contribution / active EE | $104 | $2,236-95.3% | $5,011-97.9% | $2,270-95.4% |
| Participant deferral / active EE | $3,479 | $2,568+35.5% | $5,202-33.1% | $3,740-7.0% |
| Admin fee / account holder | $581 | $400+45.1% | $13,986-95.8% | $513+13.2% |