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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 46-5576228 | Advisory (Plan) | $16,916 |
Service code 37 · EIN 04-2647786 | Loan Processing | $14,256 |
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.)
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $124,738 | $43,133+189.2% | $89,414+39.5% | $73,493+69.7% |
| Participation rate | 32.8% | 55.0%-22.2pp | 68.0%-35.2pp | 70.7%-37.9pp |
| Annual return | 13.44% | 135.66%-122.2pp | 245.50%-232.1pp | 28.51%-15.1pp |
| Employer contribution / active EE | $0 | $1,438-100.0% | $2,586-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $3,581 | $2,445+46.5% | $3,890-7.9% | $3,740-4.2% |
| Admin fee / account holder | $433 | $444-2.4% | $4,883-91.1% | $513-15.6% |