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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $72,248 |
CREATIVE PLANNING LLC3 years Service code 27 · EIN 84-4519624 | Advisory (Plan) | $35,000 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $96,594 | $122,219-21.0% | $147,096-34.3% | $199,921-51.7% |
| Participation rate | 44.9% | 78.3%-33.4pp | 82.2%-37.3pp | 72.0%-27.1pp |
| Annual return | 13.60% | 30.59%-17.0pp | 419.75%-406.2pp | 34.28%-20.7pp |
| Employer contribution / active EE | $1,543 | $4,096-62.3% | $4,936-68.7% | $3,035-49.2% |
| Participant deferral / active EE | $3,986 | $8,503-53.1% | $8,071-50.6% | $5,089-21.7% |
| Admin fee / account holder | $82 | $179-54.1% | $13,005-99.4% | $269-69.4% |