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| Provider | Service type | Compensation |
|---|---|---|
Service code 55 · EIN 26-4310632 | Other Commissions | $13,516 |
Service code 37 · EIN 04-2647786 | Loan Processing | $925 |
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 | $25,701 | $59,186-56.6% | $76,768-66.5% | $56,287-54.3% |
| Participation rate | 74.3% | 75.2%-0.9pp | 77.0%-2.6pp | 69.9%+4.5pp |
| Annual return | -5.84% | 6.62%-12.5pp | 2.43%-8.3pp | -9.96%+4.1pp |
| Employer contribution / active EE | $368 | $1,759-79.1% | $2,485-85.2% | $2,111-82.6% |
| Participant deferral / active EE | $1,581 | $3,255-51.4% | $3,852-58.9% | $3,350-52.8% |
| Admin fee / account holder | $7 | $489-98.6% | $6,675-99.9% | $521-98.7% |