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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $1,359 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $95,123 | $25,723+269.8% | $69,182+37.5% | $55,167+72.4% |
| Participation rate | 11.6% | 39.4%-27.8pp | 55.1%-43.5pp | 69.0%-57.4pp |
| Annual return | 4.05% | 9.56%-5.5pp | -21.93%+26.0pp | 169.23%-165.2pp |
| Employer contribution / active EE | $296 | $480-38.4% | $1,206-75.5% | $1,963-84.9% |
| Participant deferral / active EE | $1,322 | $963+37.2% | $1,897-30.3% | $3,054-56.7% |
| Admin fee / account holder | $334 | $365-8.5% | $2,697-87.6% | $504-33.8% |