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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $625 |
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).
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 | $34,066 | $69,383-50.9% | $101,271-66.4% | $73,493-53.6% |
| Participation rate | 31.1% | 68.4%-37.3pp | 75.8%-44.7pp | 70.7%-39.6pp |
| Annual return | 14.57% | 18.46%-3.9pp | 46.48%-31.9pp | 28.51%-13.9pp |
| Employer contribution / active EE | $315 | $2,628-88.0% | $3,660-91.4% | $2,270-86.1% |
| Participant deferral / active EE | $1,891 | $3,301-42.7% | $4,371-56.7% | $3,740-49.4% |
| Admin fee / account holder | $6 | $704-99.1% | $5,948-99.9% | $513-98.8% |