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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $25,787 |
RPM ADVISORS LLC5 years Service code 27 · EIN 50-2028000 1133 HARWOOD DR S STE D · FARGO, MD 58104 | Advisory (Plan) | $11,153 |
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $12,336 | $51,092-75.9% | $76,735-83.9% | $79,634-84.5% |
| Participation rate | 77.0% | 50.2%+26.8pp | 69.5%+7.5pp | 62.5%+14.6pp |
| Annual return | 11.53% | 18.04%-6.5pp | 29.77%-18.2pp | 36.46%-24.9pp |
| Employer contribution / active EE | $601 | $1,519-60.4% | $2,454-75.5% | $2,529-76.2% |
| Participant deferral / active EE | $2,526 | $2,529-0.1% | $4,088-38.2% | $3,835-34.1% |
| Admin fee / account holder | $88 | $1,865-95.3% | $7,189-98.8% | $1,002-91.2% |