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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $94,220 |
Service code 27 · EIN 04-2541452 | Advisory (Plan) | $72,067 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $62,661 | $115,744-45.9% | $100,392-37.6% | $199,960-68.7% |
| Participation rate | 57.4% | 85.7%-28.3pp | 81.5%-24.1pp | 72.0%-14.6pp |
| Annual return | 13.97% | 17.79%-3.8pp | 49.45%-35.5pp | 34.28%-20.3pp |
| Employer contribution / active EE | $2,122 | $3,657-42.0% | $3,941-46.2% | $3,036-30.1% |
| Participant deferral / active EE | $4,569 | $9,844-53.6% | $8,090-43.5% | $5,087-10.2% |
| Admin fee / account holder | $174 | $93+87.5% | $7,904-97.8% | $269-35.3% |