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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $4,875 |
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).
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 | $43,164 | $33,745+27.9% | $64,105-32.7% | $55,191-21.8% |
| Participation rate | 29.6% | 59.4%-29.8pp | 68.2%-38.6pp | 69.2%-39.6pp |
| Annual return | 0.39% | 4.95%-4.6pp | 791.24%-790.8pp | 10.78%-10.4pp |
| Employer contribution / active EE | $205 | $641-68.0% | $1,820-88.7% | $1,899-89.2% |
| Participant deferral / active EE | $569 | $1,929-70.5% | $2,822-79.8% | $3,046-81.3% |
| Admin fee / account holder | $46 | $94-50.8% | $4,499-99.0% | $91-48.9% |