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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $14,926 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $26,165 | $45,324-42.3% | $122,354-78.6% | $69,631-62.4% |
| Participation rate | 44.5% | 59.9%-15.4pp | 71.6%-27.1pp | 70.7%-26.2pp |
| Annual return | 57.76% | 25.35%+32.4pp | 30.28%+27.5pp | 27571.02%-27513.3pp |
| Employer contribution / active EE | $1,556 | $1,230+26.5% | $4,051-61.6% | $2,032-23.4% |
| Participant deferral / active EE | $2,957 | $2,367+24.9% | $3,287-10.1% | $3,224-8.3% |
| Admin fee / account holder | $65 | $87-25.7% | $5,479-98.8% | $110-41.5% |