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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $13,346 |
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $47,187 | $54,245-13.0% | $93,727-49.7% | $77,762-39.3% |
| Participation rate | 47.6% | 63.9%-16.3pp | 68.7%-21.1pp | 70.6%-23.0pp |
| Annual return | 15.62% | 30.58%-15.0pp | 133.83%-118.2pp | 31.27%-15.6pp |
| Employer contribution / active EE | $43 | $1,168-96.4% | $2,421-98.2% | $2,728-98.4% |
| Participant deferral / active EE | $3,155 | $3,144+0.4% | $4,417-28.6% | $4,651-32.2% |
| Admin fee / account holder | $111 | $575-80.6% | $8,292-98.7% | $433-74.3% |