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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 46-5576228 | Advisory (Plan) | $16,343 |
Service code 37 · EIN 04-2647786 | Loan Processing | $6,884 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $109,855 | $38,365+186.3% | $84,623+29.8% | $65,185+68.5% |
| Participation rate | 31.9% | 55.7%-23.8pp | 68.2%-36.3pp | 70.2%-38.3pp |
| Annual return | 17.79% | 32.00%-14.2pp | 258.77%-241.0pp | 29.38%-11.6pp |
| Employer contribution / active EE | $0 | $1,258-100.0% | $2,652-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $4,011 | $2,278+76.1% | $3,899+2.9% | $3,514+14.2% |
| Admin fee / account holder | $332 | $451-26.5% | $4,913-93.2% | $847-60.8% |