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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 27-2028996 | Advisory (Plan) | $17,029 |
Service code 37 · EIN 04-2647786 | Loan Processing | $9,639 |
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 | $61,882 | $42,548+45.4% | $74,549-17.0% | $56,287+9.9% |
| Participation rate | 27.3% | 60.5%-33.1pp | 69.1%-41.8pp | 69.9%-42.5pp |
| Annual return | -7.07% | 12.40%-19.5pp | 32.53%-39.6pp | -9.96%+2.9pp |
| Employer contribution / active EE | $481 | $855-43.7% | $1,961-75.4% | $2,111-77.2% |
| Participant deferral / active EE | $986 | $2,277-56.7% | $3,108-68.3% | $3,350-70.6% |
| Admin fee / account holder | $494 | $467+5.7% | $5,059-90.2% | $521-5.2% |