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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $1,465 |
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).
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 | $37,043 | $76,112-51.3% | $96,534-61.6% | $71,511-48.2% |
| Participation rate | 83.4% | 74.4%+9.0pp | 76.0%+7.4pp | 67.9%+15.5pp |
| Annual return | 88.28% | 22.81%+65.5pp | 25.88%+62.4pp | 28.86%+59.4pp |
| Employer contribution / active EE | $0 | $2,248-100.0% | $2,965-100.0% | $2,589-100.0% |
| Participant deferral / active EE | $11,493 | $4,217+172.5% | $4,851+136.9% | $4,291+167.9% |
| Admin fee / account holder | $7 | $2,708-99.7% | $8,253-99.9% | $1,588-99.6% |