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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $33,681 |
Service code 27 · EIN 36-4906731 | Advisory (Plan) | $16,047 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $37,136 | $86,692-57.2% | $119,634-69.0% | $66,949-44.5% |
| Participation rate | 61.6% | 75.6%-14.0pp | 79.3%-17.7pp | 69.8%-8.2pp |
| Annual return | -22.26% | -8.00%-14.3pp | -14.98%-7.3pp | 1.57%-23.8pp |
| Employer contribution / active EE | $1,419 | $2,536-44.0% | $4,232-66.5% | $2,545-44.2% |
| Participant deferral / active EE | $4,471 | $4,360+2.5% | $5,601-20.2% | $4,239+5.5% |
| Admin fee / account holder | $327 | $755-56.7% | $10,329-96.8% | $594-44.9% |