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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $400 |
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).
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 | $37,076 | $63,314-41.4% | $91,004-59.3% | $62,293-40.5% |
| Participation rate | 47.3% | 73.3%-26.0pp | 75.6%-28.3pp | 69.5%-22.2pp |
| Annual return | 16.22% | 21.00%-4.8pp | 4.60%+11.6pp | 28.90%-12.7pp |
| Employer contribution / active EE | $491 | $1,807-72.9% | $2,456-80.0% | $2,042-76.0% |
| Participant deferral / active EE | $2,143 | $2,944-27.2% | $3,548-39.6% | $3,169-32.4% |
| Admin fee / account holder | $6 | $468-98.7% | $5,417-99.9% | $479-98.7% |