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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $89,707 |
Filed as: GALLAGHER FIDUCIARY ADVISORS LLC Service code 27 · EIN 36-4291971 | Advisory (Plan) | $30,626 |
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 | $22,337 | $53,204-58.0% | $155,556-85.6% | $200,096-88.8% |
| Participation rate | 39.1% | 64.1%-25.0pp | 78.2%-39.1pp | 72.0%-32.9pp |
| Annual return | 48.97% | 41.02%+7.9pp | 64.84%-15.9pp | 34.26%+14.7pp |
| Employer contribution / active EE | $1,728 | $1,850-6.6% | $4,675-63.0% | $3,038-43.1% |
| Participant deferral / active EE | $3,329 | $3,163+5.2% | $5,631-40.9% | $5,090-34.6% |
| Admin fee / account holder | $185 | $186-0.3% | $15,885-98.8% | $269-31.2% |