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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $2,058 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $72,659 | $58,093+25.1% | $80,022-9.2% | $56,289+29.1% |
| Participation rate | 36.9% | 73.6%-36.7pp | 75.8%-38.9pp | 69.9%-33.0pp |
| Annual return | -4.21% | 34.63%-38.8pp | 11.22%-15.4pp | -9.96%+5.7pp |
| Employer contribution / active EE | $217 | $1,933-88.8% | $2,468-91.2% | $2,111-89.7% |
| Participant deferral / active EE | $2,641 | $3,136-15.8% | $3,686-28.3% | $3,350-21.2% |
| Admin fee / account holder | $46 | $623-92.5% | $6,521-99.3% | $521-91.1% |