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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $4,199 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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 | $32,234 | $84,499-61.9% | $125,391-74.3% | $66,949-51.9% |
| Participation rate | 62.3% | 76.4%-14.1pp | 82.4%-20.1pp | 69.8%-7.5pp |
| Annual return | -19.09% | -8.49%-10.6pp | 572.41%-591.5pp | 1.57%-20.7pp |
| Employer contribution / active EE | $1,787 | $3,554-49.7% | $4,816-62.9% | $2,545-29.8% |
| Participant deferral / active EE | $7,389 | $6,785+8.9% | $7,448-0.8% | $4,239+74.3% |
| Admin fee / account holder | $51 | $685-92.6% | $10,009-99.5% | $594-91.4% |