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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $5,712 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $23,652 | $55,002-57.0% | $59,899-60.5% | $56,289-58.0% |
| Participation rate | 84.4% | 75.9%+8.5pp | 74.7%+9.7pp | 69.9%+14.6pp |
| Annual return | 6.62% | 1.13%+5.5pp | 3.46%+3.2pp | -9.96%+16.6pp |
| Employer contribution / active EE | $574 | $2,448-76.5% | $2,723-78.9% | $2,111-72.8% |
| Participant deferral / active EE | $1,709 | $3,121-45.2% | $3,402-49.8% | $3,350-49.0% |
| Admin fee / account holder | $46 | $236-80.4% | $3,592-98.7% | $521-91.2% |