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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $26,515 |
Service code 27 · EIN 83-2499358 | Advisory (Plan) | $13,328 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $51,448 | $71,873-28.4% | $86,698-40.7% | $68,490-24.9% |
| Participation rate | 100.0% | 72.2%+27.8pp | 76.6%+23.4pp | 67.9%+32.1pp |
| Annual return | -6.14% | 3.54%-9.7pp | 35.96%-42.1pp | -7.85%+1.7pp |
| Employer contribution / active EE | $2,560 | $2,173+17.8% | $2,837-9.8% | $2,597-1.4% |
| Participant deferral / active EE | $7,211 | $3,779+90.8% | $4,656+54.9% | $4,028+79.0% |
| Admin fee / account holder | $424 | $6,110-93.1% | $7,492-94.3% | $5,403-92.2% |