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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 13-3689044 | Recordkeeping | $26,070 |
CREATIVE PLANNING LLC2 years Service code 27 · EIN 43-1270780 | Advisory (Plan) | $21,535 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $48,173 | $89,123-45.9% | $102,460-53.0% | $77,762-38.1% |
| Participation rate | 37.4% | 80.9%-43.6pp | 76.5%-39.2pp | 70.6%-33.2pp |
| Annual return | 11.10% | 25.05%-13.9pp | 29.47%-18.4pp | 31.27%-20.2pp |
| Employer contribution / active EE | $0 | $2,700-100.0% | $3,025-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $1,781 | $5,148-65.4% | $5,056-64.8% | $4,651-61.7% |
| Admin fee / account holder | $401 | $236+70.2% | $9,460-95.8% | $433-7.3% |