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| Provider | Service type | Compensation |
|---|---|---|
AT RETIREMENT SERVICES, LLC4 years Service code 12 · EIN 83-3455979 | Custodial (other than securities); Re... | $26,565 |
CREATIVE PLANNING LLC5 years Filed as: CREATIVE PLANNING, INC. Service code 26 · EIN 43-1270780 | Advisory (Participants) | $17,428 |
Filed as: JCCS, P.C. Service code 10 · EIN 81-0348775 | Accounting | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $11,734 | $60,261-80.5% | $81,783-85.7% | $74,546-84.3% |
| Participation rate | 65.4% | 62.9%+2.5pp | 72.4%-7.0pp | 67.2%-1.8pp |
| Annual return | 13.77% | 16.88%-3.1pp | 775.05%-761.3pp | 1366.03%-1352.3pp |
| Employer contribution / active EE | $1,188 | $2,622-54.7% | $2,913-59.2% | $2,624-54.7% |
| Participant deferral / active EE | $1,655 | $3,388-51.1% | $4,320-61.7% | $4,347-61.9% |
| Admin fee / account holder | $153 | $1,482-89.7% | $7,380-97.9% | $1,944-92.1% |