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| Provider | Service type | Compensation |
|---|---|---|
FIRST CLEARING LLC1+ years Service code 27 · EIN 23-2384840 | Advisory (Plan) | $10,849 |
Service code 37 · EIN 04-2647786 | Loan Processing | $3,738 |
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.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $76,535 | $45,283+69.0% | $155,789-50.9% | $52,331+46.3% |
| Participation rate | 52.0% | 62.2%-10.2pp | 76.1%-24.1pp | 68.1%-16.1pp |
| Annual return | -1.59% | 1.80%-3.4pp | 71.54%-73.1pp | 4.54%-6.1pp |
| Employer contribution / active EE | $385 | $1,329-71.0% | $3,839-90.0% | $1,882-79.5% |
| Participant deferral / active EE | $2,715 | $2,854-4.9% | $4,798-43.4% | $3,022-10.2% |
| Admin fee / account holder | $302 | $981-69.2% | $7,477-96.0% | $592-48.9% |