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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 | $91,120-31.1% | $161,149-61.0% | $64,097-2.0% |
| Participation rate | 95.2% | 62.2%+33.0pp | 78.8%+16.4pp | 55.2%+40.0pp |
| Annual return | 8.79% | 17.95%-9.2pp | 21.16%-12.4pp | 34.64%-25.8pp |
| Employer contribution / active EE | $4,246 | $2,284+85.9% | $4,360-2.6% | $1,891+124.5% |
| Participant deferral / active EE | $6,325 | $3,708+70.6% | $6,153+2.8% | $3,080+105.4% |
| Admin fee / account holder | $160 | $4,535-96.5% | $15,194-98.9% | $3,454-95.4% |