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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 35-0145825 | Loan Processing | $26,462 |
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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $84,689 | $52,961+59.9% | $172,752-51.0% | $65,185+29.9% |
| Participation rate | 55.6% | 66.2%-10.6pp | 82.6%-27.0pp | 70.2%-14.6pp |
| Annual return | 13.52% | 30.12%-16.6pp | 802.97%-789.5pp | 29.38%-15.9pp |
| Employer contribution / active EE | $1,316 | $2,190-39.9% | $5,144-74.4% | $2,177-39.6% |
| Participant deferral / active EE | $1,749 | $2,471-29.2% | $5,198-66.3% | $3,514-50.2% |
| Admin fee / account holder | $1 | $472-99.8% | $13,955-100.0% | $847-99.9% |