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| Provider | Service type | Compensation |
|---|---|---|
Service code 15 · EIN 01-0233346 | Recordkeeping | $98 |
EXPERTPLAN, INC.1+ years Service code 37 · EIN 52-2269494 | Loan Processing | $0 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $48,089 | $52,884-9.1% | $84,753-43.3% | $55,167-12.8% |
| Participation rate | 27.6% | 67.5%-40.0pp | 76.6%-49.0pp | 69.0%-41.4pp |
| Annual return | -1.50% | 18.03%-19.5pp | 22.78%-24.3pp | 169.23%-170.7pp |
| Employer contribution / active EE | $178 | $2,233-92.0% | $3,574-95.0% | $1,963-90.9% |
| Participant deferral / active EE | $1,188 | $2,644-55.1% | $3,712-68.0% | $3,054-61.1% |
| Admin fee / account holder | $567 | $581-2.4% | $5,333-89.4% | $504+12.5% |