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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 35-0145825 | Loan Processing | $700 |
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $36,585 | $64,909-43.6% | $82,312-55.6% | $62,293-41.3% |
| Participation rate | 22.3% | 74.9%-52.6pp | 76.9%-54.6pp | 69.5%-47.2pp |
| Annual return | 14.07% | 21.18%-7.1pp | 25.88%-11.8pp | 28.90%-14.8pp |
| Employer contribution / active EE | $0 | $1,676-100.0% | $2,428-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $784 | $3,103-74.7% | $3,706-78.8% | $3,169-75.3% |
| Admin fee / account holder | $18 | $440-96.0% | $5,608-99.7% | $479-96.3% |