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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $36,989 |
Service code 27 · EIN 59-2937883 | Advisory (Plan) | $26,778 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $33,645 | $37,440-10.1% | $77,081-56.4% | $66,930-49.7% |
| Participation rate | 58.8% | 52.9%+5.9pp | 67.9%-9.1pp | 69.8%-11.0pp |
| Annual return | -17.65% | -3.26%-14.4pp | 42.33%-60.0pp | 1.57%-19.2pp |
| Employer contribution / active EE | $2,891 | $1,534+88.5% | $2,813+2.8% | $2,545+13.6% |
| Participant deferral / active EE | $1,626 | $2,620-37.9% | $4,428-63.3% | $4,238-61.6% |
| Admin fee / account holder | $391 | $568-31.1% | $5,427-92.8% | $593-34.1% |