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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $23,643 |
CEDAR VALLEY CAPITAL1 year Service code 27 · EIN 84-3191230 | Advisory (Plan) | $14,951 |
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $11,014 | $45,343-75.7% | $150,298-92.7% | $67,986-83.8% |
| Participation rate | 90.5% | 51.9%+38.6pp | 77.8%+12.7pp | 57.2%+33.3pp |
| Annual return | 9.36% | 33.28%-23.9pp | 62.79%-53.4pp | 31.67%-22.3pp |
| Employer contribution / active EE | $471 | $1,462-67.8% | $4,154-88.7% | $2,019-76.7% |
| Participant deferral / active EE | $1,667 | $2,055-18.9% | $5,453-69.4% | $3,358-50.3% |
| Admin fee / account holder | $102 | $2,250-95.5% | $14,116-99.3% | $3,203-96.8% |