Filed January 23, 2025 (most recent of 2 filings on file)
Total covered: 3 employees
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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $22,310 |
NOTE ADVISORS LLC4 years Service code 27 · EIN 46-5416446 | Advisory (Plan) | $7,839 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $16,157 | $62,686-74.2% | $178,505-90.9% | $77,762-79.2% |
| Participation rate | 49.9% | 66.9%-17.0pp | 77.1%-27.2pp | 70.6%-20.7pp |
| Annual return | 13.05% | 16.16%-3.1pp | 27.16%-14.1pp | 31.27%-18.2pp |
| Employer contribution / active EE | $589 | $1,914-69.2% | $3,955-85.1% | $2,728-78.4% |
| Participant deferral / active EE | $1,087 | $4,224-74.3% | $6,280-82.7% | $4,651-76.6% |
| Admin fee / account holder | $119 | $386-69.2% | $10,428-98.9% | $433-72.5% |