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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $49,637 |
Filed as: CREATIVE RETIREMENT PLAN CONSULTING Service code 49 · EIN 84-2276766 | Other Services | $6,286 |
MORNINGSTAR2 years Filed as: MORNINGSTAR INVESTMENT MGMT LLC Service code 26 · EIN 36-4317381 | Advisory (Participants) | $0 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $104,487 | $83,045+25.8% | $130,026-19.6% | $71,495+46.1% |
| Participation rate | 91.9% | 74.1%+17.8pp | 78.5%+13.4pp | 67.9%+24.0pp |
| Annual return | 12.84% | 20.61%-7.8pp | -137.26%+150.1pp | 28.85%-16.0pp |
| Employer contribution / active EE | $4,885 | $2,623+86.2% | $4,321+13.1% | $2,589+88.7% |
| Participant deferral / active EE | $7,853 | $4,436+77.0% | $5,821+34.9% | $4,291+83.0% |
| Admin fee / account holder | $349 | $1,727-79.8% | $10,608-96.7% | $1,588-78.0% |