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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $31,875 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $74,079 | $59,584+24.3% | $86,615-14.5% | $79,391-6.7% |
| Participation rate | 58.4% | 67.7%-9.2pp | 71.6%-13.2pp | 70.7%-12.3pp |
| Annual return | 28.85% | 23.15%+5.7pp | 63.51%-34.7pp | 116.88%-88.0pp |
| Employer contribution / active EE | $2,055 | $1,768+16.2% | $2,496-17.7% | $2,428-15.4% |
| Participant deferral / active EE | $3,869 | $3,036+27.4% | $3,699+4.6% | $4,046-4.4% |
| Admin fee / account holder | $308 | $604-49.0% | $5,830-94.7% | $627-50.8% |