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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 59-2937883 | Advisory (Plan) | $22,061 |
Service code 37 · EIN 04-2647786 | Loan Processing | $7,551 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $131,064 | $54,045+142.5% | $115,170+13.8% | $65,185+101.1% |
| Participation rate | 47.0% | 63.5%-16.6pp | 75.9%-28.9pp | 70.2%-23.2pp |
| Annual return | 19.38% | 26.55%-7.2pp | 35.60%-16.2pp | 29.38%-10.0pp |
| Employer contribution / active EE | $1,293 | $1,653-21.7% | $3,179-59.3% | $2,177-40.6% |
| Participant deferral / active EE | $2,918 | $2,504+16.5% | $4,169-30.0% | $3,514-17.0% |
| Admin fee / account holder | $459 | $626-26.7% | $7,089-93.5% | $847-45.8% |