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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 35-0145825 | Loan Processing | $14,709 |
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.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $43,541 | $43,133+0.9% | $89,435-51.3% | $73,497-40.8% |
| Participation rate | 16.9% | 55.0%-38.1pp | 68.0%-51.1pp | 70.7%-53.8pp |
| Annual return | 19.83% | 135.66%-115.8pp | 245.55%-225.7pp | 28.51%-8.7pp |
| Employer contribution / active EE | $331 | $1,438-77.0% | $2,587-87.2% | $2,270-85.4% |
| Participant deferral / active EE | $647 | $2,445-73.5% | $3,890-83.4% | $3,740-82.7% |
| Admin fee / account holder | $3 | $444-99.4% | $4,884-99.9% | $513-99.5% |