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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $13,201 |
Service code 27 · EIN 27-2028996 | Advisory (Plan) | $12,068 |
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.)
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 | $63,243 | $51,466+22.9% | $78,778-19.7% | $62,293+1.5% |
| Participation rate | 31.1% | 59.8%-28.7pp | 69.2%-38.1pp | 69.5%-38.4pp |
| Annual return | 15.96% | 19.96%-4.0pp | 35.62%-19.7pp | 28.90%-12.9pp |
| Employer contribution / active EE | $551 | $827-33.4% | $1,986-72.3% | $2,042-73.0% |
| Participant deferral / active EE | $1,066 | $2,147-50.4% | $2,958-64.0% | $3,169-66.4% |
| Admin fee / account holder | $477 | $489-2.6% | $5,134-90.7% | $479-0.5% |