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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $563 |
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.
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).
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 | $46,810 | $64,909-27.9% | $82,312-43.1% | $62,293-24.9% |
| Participation rate | 24.6% | 74.9%-50.3pp | 76.9%-52.3pp | 69.5%-44.9pp |
| Annual return | 16.73% | 21.18%-4.4pp | 25.88%-9.1pp | 28.90%-12.2pp |
| Employer contribution / active EE | $935 | $1,676-44.2% | $2,428-61.5% | $2,042-54.2% |
| Participant deferral / active EE | $1,051 | $3,103-66.1% | $3,706-71.6% | $3,169-66.8% |
| Admin fee / account holder | $19 | $440-95.7% | $5,608-99.7% | $479-96.1% |