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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $10,605 |
NFP RETIREMENT INC2 years Service code 27 · EIN 33-0905143 | Advisory (Plan) | $10,000 |
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).
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 | $86,557 | $26,549+226.0% | $61,452+40.9% | $66,938+29.3% |
| Participation rate | 15.0% | 38.1%-23.1pp | 52.6%-37.6pp | 69.8%-54.9pp |
| Annual return | -18.19% | -16.21%-2.0pp | 338.96%-357.1pp | 1.58%-19.8pp |
| Employer contribution / active EE | $271 | $651-58.4% | $1,160-76.7% | $2,545-89.4% |
| Participant deferral / active EE | $1,006 | $1,338-24.8% | $2,125-52.7% | $4,238-76.3% |
| Admin fee / account holder | $606 | $409+48.3% | $2,131-71.6% | $594+2.1% |