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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $52,441 |
FOCUS 401K GROUP, LLC5 years Filed as: FOCUS 401(K) GROUP LLC Service code 27 · EIN 47-1258840 | Advisory (Plan) | $15,000 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $28,602 | $100,801-71.6% | $149,715-80.9% | $73,412-61.0% |
| Participation rate | 53.3% | 77.7%-24.4pp | 82.5%-29.2pp | 72.2%-18.9pp |
| Annual return | 19.81% | 265.34%-245.5pp | 276.66%-256.9pp | 59.30%-39.5pp |
| Employer contribution / active EE | $462 | $3,312-86.0% | $4,645-90.0% | $2,234-79.3% |
| Participant deferral / active EE | $2,818 | $6,404-56.0% | $6,842-58.8% | $3,806-25.9% |
| Admin fee / account holder | $151 | $181-16.7% | $9,310-98.4% | $158-4.7% |