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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $250 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $33,071 | $59,535-44.5% | $90,161-63.3% | $62,293-46.9% |
| Participation rate | 40.8% | 73.0%-32.2pp | 76.9%-36.1pp | 69.5%-28.7pp |
| Annual return | 24.07% | 23.53%+0.5pp | 34.89%-10.8pp | 28.90%-4.8pp |
| Employer contribution / active EE | $0 | $1,826-100.0% | $3,318-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $3,640 | $4,639-21.5% | $5,287-31.1% | $3,169+14.9% |
| Admin fee / account holder | $2 | $337-99.3% | $5,943-100.0% | $479-99.5% |