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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 35-0145825 | Loan Processing | $23,164 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $25,660 | $51,466-50.1% | $78,778-67.4% | $62,293-58.8% |
| Participation rate | 39.6% | 59.8%-20.1pp | 69.2%-29.5pp | 69.5%-29.9pp |
| Annual return | 17.70% | 19.96%-2.3pp | 35.62%-17.9pp | 28.90%-11.2pp |
| Employer contribution / active EE | $492 | $827-40.6% | $1,986-75.2% | $2,042-75.9% |
| Participant deferral / active EE | $1,407 | $2,147-34.5% | $2,958-52.4% | $3,169-55.6% |
| Admin fee / account holder | $4 | $489-99.3% | $5,134-99.9% | $479-99.2% |