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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $34,188 |
Filed as: CREATIVE RETIREMENT PLAN CONSULTING Service code 49 · EIN 84-2276766 | Other Services | $6,618 |
MORNINGSTAR4 years Filed as: MORNINGSTAR INVESTMENT MGMT LLC Service code 26 · EIN 36-4317381 | Advisory (Participants) | $0 |
Annual investment return is in the bottom quintile of the peer cohort.
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 | $62,812 | $91,760-31.5% | $156,181-59.8% | $67,986-7.6% |
| Participation rate | 95.2% | 65.0%+30.2pp | 78.8%+16.4pp | 57.2%+38.0pp |
| Annual return | 8.79% | 18.14%-9.3pp | 64.87%-56.1pp | 31.67%-22.9pp |
| Employer contribution / active EE | $4,246 | $2,419+75.5% | $4,294-1.1% | $2,019+110.3% |
| Participant deferral / active EE | $6,325 | $3,960+59.7% | $6,132+3.2% | $3,358+88.4% |
| Admin fee / account holder | $160 | $3,949-96.0% | $14,586-98.9% | $3,203-95.0% |