Filed February 6, 2025
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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $24,873 |
Service code 27 · EIN 38-2722519 | Advisory (Plan) | $14,209 |
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $33,521 | $82,979-59.6% | $102,412-67.3% | $77,736-56.9% |
| Participation rate | 47.5% | 71.5%-24.0pp | 74.5%-27.0pp | 70.6%-23.1pp |
| Annual return | 21.27% | 19.11%+2.2pp | 24.94%-3.7pp | 31.26%-10.0pp |
| Employer contribution / active EE | $1,141 | $3,554-67.9% | $3,870-70.5% | $2,728-58.2% |
| Participant deferral / active EE | $2,442 | $4,109-40.6% | $5,060-51.7% | $4,651-47.5% |
| Admin fee / account holder | $191 | $639-70.0% | $8,388-97.7% | $433-55.9% |