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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $1,659 |
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 | $61,604 | $56,640+8.8% | $78,002-21.0% | $55,167+11.7% |
| Participation rate | 41.6% | 73.3%-31.7pp | 75.5%-33.9pp | 69.0%-27.4pp |
| Annual return | 6.17% | 2868.48%-2862.3pp | 425.99%-419.8pp | 169.23%-163.1pp |
| Employer contribution / active EE | $218 | $1,724-87.4% | $2,470-91.2% | $1,963-88.9% |
| Participant deferral / active EE | $2,891 | $2,778+4.1% | $3,497-17.3% | $3,054-5.4% |
| Admin fee / account holder | $31 | $467-93.4% | $5,481-99.4% | $504-93.9% |