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| Provider | Service type | Compensation |
|---|---|---|
Filed as: MBR FINANCIAL Service code 27 · EIN 27-2028996 | Advisory (Plan) | $12,582 |
Service code 37 · EIN 04-2647786 | Loan Processing | $10,895 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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).
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 | $58,596 | $42,546+37.7% | $71,796-18.4% | $55,167+6.2% |
| Participation rate | 24.8% | 59.1%-34.3pp | 69.1%-44.3pp | 69.0%-44.1pp |
| Annual return | 6.84% | 12.36%-5.5pp | 78.04%-71.2pp | 169.23%-162.4pp |
| Employer contribution / active EE | $435 | $803-45.8% | $1,924-77.4% | $1,963-77.8% |
| Participant deferral / active EE | $805 | $2,064-61.0% | $2,794-71.2% | $3,054-73.6% |
| Admin fee / account holder | $510 | $650-21.4% | $4,815-89.4% | $504+1.3% |