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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $15,108 |
Service code 27 · EIN 35-1729164 | Advisory (Plan) | $10,785 |
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.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $46,743 | $63,114-25.9% | $92,909-49.7% | $65,185-28.3% |
| Participation rate | 63.7% | 68.8%-5.1pp | 76.0%-12.3pp | 70.2%-6.5pp |
| Annual return | 18.83% | 28.75%-9.9pp | 109.44%-90.6pp | 29.38%-10.6pp |
| Employer contribution / active EE | $470 | $2,571-81.7% | $3,653-87.1% | $2,177-78.4% |
| Participant deferral / active EE | $2,286 | $3,108-26.4% | $4,238-46.1% | $3,514-34.9% |
| Admin fee / account holder | $301 | $624-51.7% | $5,795-94.8% | $847-64.5% |