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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $1,002 |
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.
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).
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 | $30,657 | $89,652-65.8% | $141,197-78.3% | $65,186-53.0% |
| Participation rate | 61.2% | 74.7%-13.5pp | 82.5%-21.3pp | 70.2%-9.0pp |
| Annual return | 67.36% | 32.79%+34.6pp | 71.41%-4.0pp | 29.39%+38.0pp |
| Employer contribution / active EE | $0 | $3,065-100.0% | $4,736-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $4,965 | $5,691-12.8% | $6,710-26.0% | $3,514+41.3% |
| Admin fee / account holder | $13 | $569-97.8% | $10,265-99.9% | $847-98.5% |