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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $4,627 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $26,442 | $44,425-40.5% | $67,834-61.0% | $55,167-52.1% |
| Participation rate | 57.2% | 59.7%-2.5pp | 68.8%-11.6pp | 69.0%-11.8pp |
| Annual return | 5.06% | 17.80%-12.7pp | 138.47%-133.4pp | 169.23%-164.2pp |
| Employer contribution / active EE | $375 | $1,351-72.2% | $2,403-84.4% | $1,963-80.9% |
| Participant deferral / active EE | $1,374 | $2,166-36.6% | $3,160-56.5% | $3,054-55.0% |
| Admin fee / account holder | $43 | $530-91.9% | $4,622-99.1% | $504-91.5% |