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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $18,961 |
Service code 27 · EIN 83-2499358 | Advisory (Plan) | $9,690 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $41,641 | $73,638-43.5% | $95,964-56.6% | $73,497-43.3% |
| Participation rate | 60.6% | 76.2%-15.6pp | 77.1%-16.5pp | 70.7%-10.1pp |
| Annual return | 12.84% | 16.78%-3.9pp | 91.64%-78.8pp | 28.51%-15.7pp |
| Employer contribution / active EE | $1,487 | $1,863-20.2% | $2,541-41.5% | $2,270-34.5% |
| Participant deferral / active EE | $5,026 | $3,617+38.9% | $4,167+20.6% | $3,740+34.4% |
| Admin fee / account holder | $318 | $482-34.0% | $6,797-95.3% | $513-38.0% |