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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $875 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $72,096 | $63,924+12.8% | $108,582-33.6% | $55,167+30.7% |
| Participation rate | 58.1% | 74.3%-16.2pp | 79.6%-21.4pp | 69.0%-10.9pp |
| Annual return | 8.87% | 15.31%-6.4pp | -51.70%+60.6pp | 169.23%-160.4pp |
| Employer contribution / active EE | $0 | $1,879-100.0% | $3,758-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $4,035 | $3,067+31.6% | $4,311-6.4% | $3,054+32.1% |
| Admin fee / account holder | $10 | $618-98.3% | $7,645-99.9% | $504-97.9% |