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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $132,125 |
Filed as: MERRILL LYNCH Service code 27 · EIN 13-5674085 | Advisory (Plan) | $39,657 |
Filed as: BERMAN HOPKINS WRIGHT & LAHAM, CPAS Service code 10 · EIN 59-1152714 | Accounting | $21,780 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported that benefits due were not provided when due.
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 | $19,916 | $48,744-59.1% | $93,669-78.7% | $199,921-90.0% |
| Participation rate | 68.9% | 63.7%+5.2pp | 68.7%+0.1pp | 72.0%-3.2pp |
| Annual return | 12.17% | 15.36%-3.2pp | 133.59%-121.4pp | 34.28%-22.1pp |
| Employer contribution / active EE | $774 | $1,140-32.1% | $2,424-68.1% | $3,035-74.5% |
| Participant deferral / active EE | $3,207 | $2,825+13.5% | $4,416-27.4% | $5,089-37.0% |
| Admin fee / account holder | $111 | $195-42.9% | $8,291-98.7% | $269-58.6% |