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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 04-2675571 | Advisory (Plan) | $8,771 |
Service code 37 · EIN 04-2647786 | Loan Processing | $4,037 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $66,913 | $81,870-18.3% | $119,634-44.1% | $68,490-2.3% |
| Participation rate | 68.6% | 71.9%-3.3pp | 79.3%-10.6pp | 67.9%+0.7pp |
| Annual return | -16.65% | -23.82%+7.2pp | -14.98%-1.7pp | -7.85%-8.8pp |
| Employer contribution / active EE | $1,535 | $2,692-43.0% | $4,232-63.7% | $2,597-40.9% |
| Participant deferral / active EE | $4,815 | $4,148+16.1% | $5,601-14.0% | $4,028+19.5% |
| Admin fee / account holder | $267 | $6,583-95.9% | $10,329-97.4% | $5,403-95.1% |