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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 41-1486060 | Advisory (Plan) | $21,655 |
Service code 37 · EIN 04-2647786 | Loan Processing | $11,281 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $88,038 | $81,494+8.0% | $133,978-34.3% | $73,497+19.8% |
| Participation rate | 66.4% | 76.4%-10.0pp | 79.8%-13.5pp | 70.7%-4.3pp |
| Annual return | 11.31% | 19.40%-8.1pp | 45.10%-33.8pp | 28.51%-17.2pp |
| Employer contribution / active EE | $260 | $2,210-88.2% | $3,919-93.4% | $2,270-88.5% |
| Participant deferral / active EE | $4,797 | $3,787+26.7% | $5,047-5.0% | $3,740+28.3% |
| Admin fee / account holder | $350 | $713-50.9% | $8,930-96.1% | $513-31.7% |