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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $1,244 |
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.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $40,768 | $60,165-32.2% | $74,184-45.0% | $55,167-26.1% |
| Participation rate | 20.0% | 74.2%-54.2pp | 76.6%-56.6pp | 69.0%-49.0pp |
| Annual return | 3.38% | 10.00%-6.6pp | 17.74%-14.4pp | 169.23%-165.9pp |
| Employer contribution / active EE | $544 | $1,600-66.0% | $2,370-77.0% | $1,963-72.3% |
| Participant deferral / active EE | $1,017 | $2,973-65.8% | $3,550-71.4% | $3,054-66.7% |
| Admin fee / account holder | $50 | $419-88.1% | $5,586-99.1% | $504-90.1% |