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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 43-1451524 | Advisory (Plan) | $12,000 |
Service code 37 · EIN 04-2647786 | Loan Processing | $10,465 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $55,975 | $76,112-26.5% | $96,534-42.0% | $71,511-21.7% |
| Participation rate | 46.2% | 74.4%-28.2pp | 76.0%-29.8pp | 67.9%-21.7pp |
| Annual return | 24.62% | 22.81%+1.8pp | 25.88%-1.3pp | 28.86%-4.2pp |
| Employer contribution / active EE | $1,139 | $2,248-49.3% | $2,965-61.6% | $2,589-56.0% |
| Participant deferral / active EE | $2,857 | $4,217-32.3% | $4,851-41.1% | $4,291-33.4% |
| Admin fee / account holder | $232 | $2,708-91.4% | $8,253-97.2% | $1,588-85.4% |