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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $1,334 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match 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).
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 | $11,956 | $46,732-74.4% | $156,551-92.4% | $55,167-78.3% |
| Participation rate | 43.8% | 65.8%-22.0pp | 84.0%-40.2pp | 69.0%-25.2pp |
| Annual return | 7.09% | 17.72%-10.6pp | 32.23%-25.1pp | 169.23%-162.1pp |
| Employer contribution / active EE | -$333 | $2,105-115.8% | $5,501-106.0% | $1,963-117.0% |
| Participant deferral / active EE | $1,881 | $2,204-14.6% | $4,871-61.4% | $3,054-38.4% |
| Admin fee / account holder | $7 | $418-98.3% | $13,028-99.9% | $504-98.6% |