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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $84,823 |
CREATIVE PLANNING LLC2 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.
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 | $82,299 | $107,415-23.4% | $135,982-39.5% | $80,169+2.7% |
| Participation rate | 50.9% | 78.0%-27.1pp | 81.9%-31.0pp | 72.9%-22.0pp |
| Annual return | 18.04% | 91.99%-74.0pp | 68.32%-50.3pp | 40.39%-22.4pp |
| Employer contribution / active EE | $1,662 | $3,878-57.2% | $4,859-65.8% | $2,978-44.2% |
| Participant deferral / active EE | $4,209 | $8,189-48.6% | $7,760-45.8% | $5,016-16.1% |
| Admin fee / account holder | $92 | $127-27.5% | $10,767-99.1% | $145-36.5% |