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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $1,163 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $35,952 | $48,576-26.0% | $169,452-78.8% | $56,289-36.1% |
| Participation rate | 56.5% | 65.8%-9.3pp | 77.8%-21.3pp | 69.9%-13.4pp |
| Annual return | -5.97% | -2.51%-3.5pp | 1.83%-7.8pp | -9.96%+4.0pp |
| Employer contribution / active EE | $1 | $1,559-100.0% | $4,157-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $2,120 | $3,275-35.3% | $5,277-59.8% | $3,350-36.7% |
| Admin fee / account holder | $7 | $435-98.3% | $9,110-99.9% | $521-98.6% |