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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $1,485 |
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.
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 | $67,645 | $89,652-24.5% | $141,191-52.1% | $65,185+3.8% |
| Participation rate | 22.0% | 74.7%-52.7pp | 82.5%-60.5pp | 70.2%-48.2pp |
| Annual return | 26.62% | 32.79%-6.2pp | 71.41%-44.8pp | 29.38%-2.8pp |
| Employer contribution / active EE | $0 | $3,065-100.0% | $4,736-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $3,556 | $5,691-37.5% | $6,710-47.0% | $3,514+1.2% |
| Admin fee / account holder | $61 | $569-89.3% | $10,264-99.4% | $847-92.8% |