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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $388,227 |
CREATIVE PLANNING LLC3 years Service code 27 · EIN 84-4519624 | Advisory (Plan) | $65,087 |
ARMANINO LLP2 years Service code 16 · EIN 94-6214841 | Consulting | $10,500 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $37,082 | $120,321-69.2% | $147,117-74.8% | $99,313-62.7% |
| Participation rate | 45.6% | 73.4%-27.7pp | 82.2%-36.6pp | 71.7%-26.1pp |
| Annual return | 16.01% | 28.95%-12.9pp | 420.54%-404.5pp | 17.67%-1.7pp |
| Employer contribution / active EE | $621 | $4,158-85.1% | $4,932-87.4% | $3,264-81.0% |
| Participant deferral / active EE | $3,148 | $8,044-60.9% | $8,065-61.0% | $5,346-41.1% |
| Admin fee / account holder | $82 | $150-45.1% | $12,993-99.4% | $109-24.4% |