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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $32,431 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $12,581 | $66,486-81.1% | $81,370-84.5% | $77,762-83.8% |
| Participation rate | 60.4% | 68.7%-8.3pp | 69.5%-9.2pp | 70.6%-10.2pp |
| Annual return | 21.43% | 15.95%+5.5pp | 24.85%-3.4pp | 31.27%-9.8pp |
| Employer contribution / active EE | $686 | $2,158-68.2% | $2,464-72.2% | $2,728-74.9% |
| Participant deferral / active EE | $1,531 | $3,677-58.4% | $3,885-60.6% | $4,651-67.1% |
| Admin fee / account holder | $49 | $586-91.7% | $5,749-99.2% | $433-88.7% |