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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $675 |
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.
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 | $41,412 | $60,165-31.2% | $74,184-44.2% | $55,167-24.9% |
| Participation rate | 59.1% | 74.2%-15.0pp | 76.6%-17.5pp | 69.0%-9.9pp |
| Annual return | 14.76% | 10.00%+4.8pp | 17.74%-3.0pp | 169.23%-154.5pp |
| Employer contribution / active EE | $0 | $1,600-100.0% | $2,370-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $7,582 | $2,973+155.1% | $3,550+113.6% | $3,054+148.3% |
| Admin fee / account holder | $5 | $419-98.9% | $5,586-99.9% | $504-99.1% |