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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $2,425 |
UBS FINANCIAL SERVICES INC2 years Service code 55 · EIN 13-2638166 | Other Commissions | $1,180 |
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 | $44,451 | $54,541-18.5% | $78,778-43.6% | $70,126-36.6% |
| Participation rate | 42.2% | 60.8%-18.6pp | 69.2%-27.0pp | 69.5%-27.3pp |
| Annual return | 16.00% | 21.07%-5.1pp | 35.62%-19.6pp | 73.15%-57.1pp |
| Employer contribution / active EE | $0 | $1,089-100.0% | $1,986-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,894 | $2,210+30.9% | $2,958-2.2% | $3,332-13.1% |
| Admin fee / account holder | $29 | $3,709-99.2% | $5,134-99.4% | $4,645-99.4% |