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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $694 |
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 | $49,928 | $59,191-15.6% | $76,767-35.0% | $56,289-11.3% |
| Participation rate | 23.7% | 75.2%-51.5pp | 77.0%-53.2pp | 69.9%-46.1pp |
| Annual return | -6.32% | 6.62%-12.9pp | 2.43%-8.7pp | -9.96%+3.6pp |
| Employer contribution / active EE | $1,431 | $1,759-18.7% | $2,485-42.4% | $2,111-32.2% |
| Participant deferral / active EE | $1,129 | $3,255-65.3% | $3,852-70.7% | $3,350-66.3% |
| Admin fee / account holder | $23 | $489-95.3% | $6,675-99.7% | $521-95.6% |