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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $5,859 |
UBS FINANCIAL SERVICES INC4 years Service code 27 · EIN 13-2638166 | Advisory (Plan) | $5,506 |
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 | $55,944 | $49,138+13.8% | $84,021-33.4% | $65,185-14.2% |
| Participation rate | 32.7% | 60.7%-28.0pp | 69.0%-36.3pp | 70.2%-37.5pp |
| Annual return | 20.75% | 23.00%-2.2pp | 71.32%-50.6pp | 29.38%-8.6pp |
| Employer contribution / active EE | $0 | $914-100.0% | $1,984-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $2,011 | $2,397-16.1% | $3,239-37.9% | $3,514-42.8% |
| Admin fee / account holder | $159 | $543-70.8% | $6,102-97.4% | $847-81.2% |