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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $20,315 |
Service code 27 · EIN 35-1729164 | Advisory (Plan) | $14,089 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $59,959 | $77,670-22.8% | $109,163-45.1% | $79,393-24.5% |
| Participation rate | 69.5% | 67.8%+1.7pp | 75.9%-6.4pp | 70.7%-1.2pp |
| Annual return | 12.32% | 23.44%-11.1pp | 25.75%-13.4pp | 116.87%-104.5pp |
| Employer contribution / active EE | $564 | $2,798-79.9% | $3,723-84.9% | $2,428-76.8% |
| Participant deferral / active EE | $3,294 | $3,518-6.4% | $4,654-29.2% | $4,046-18.6% |
| Admin fee / account holder | $382 | $732-47.8% | $6,754-94.3% | $627-39.0% |