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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $17,799 |
RPM ADVISORS LLC3 years Service code 27 · EIN 50-2028000 | Advisory (Plan) | $9,041 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $14,648 | $51,207-71.4% | $70,565-79.2% | $71,529-79.5% |
| Participation rate | 67.5% | 59.4%+8.2pp | 68.4%-0.8pp | 67.9%-0.4pp |
| Annual return | 7.58% | 42.71%-35.1pp | 32.79%-25.2pp | 28.97%-21.4pp |
| Employer contribution / active EE | $615 | $1,795-65.7% | $2,976-79.3% | $2,590-76.2% |
| Participant deferral / active EE | $2,531 | $3,033-16.6% | $4,568-44.6% | $4,291-41.0% |
| Admin fee / account holder | $104 | $2,002-94.8% | $6,430-98.4% | $1,588-93.5% |