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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $1,790 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $79,126 | $39,245+101.6% | $64,105+23.4% | $52,331+51.2% |
| Participation rate | 52.1% | 58.2%-6.1pp | 68.2%-16.0pp | 68.1%-16.0pp |
| Annual return | 1.00% | 14.79%-13.8pp | 791.24%-790.2pp | 4.54%-3.5pp |
| Employer contribution / active EE | $560 | $736-23.9% | $1,820-69.2% | $1,882-70.2% |
| Participant deferral / active EE | $1,933 | $1,992-3.0% | $2,822-31.5% | $3,022-36.0% |
| Admin fee / account holder | $26 | $592-95.6% | $4,499-99.4% | $592-95.6% |