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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 35-0145825 | Loan Processing | $22,723 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $11,972 | $36,916-67.6% | $156,551-92.4% | $57,658-79.2% |
| Participation rate | 69.2% | 63.4%+5.8pp | 84.0%-14.8pp | 70.2%-1.0pp |
| Annual return | -0.21% | 12.38%-12.6pp | 32.23%-32.4pp | 5.13%-5.3pp |
| Employer contribution / active EE | $603 | $1,571-61.6% | $5,501-89.0% | $1,974-69.4% |
| Participant deferral / active EE | $698 | $1,926-63.7% | $4,871-85.7% | $3,061-77.2% |
| Admin fee / account holder | $2 | $82-98.2% | $13,028-100.0% | $95-98.4% |