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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647789 | Loan Processing | $3,897 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll 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).
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 | $54,988 | $55,449-0.8% | $83,831-34.4% | $56,289-2.3% |
| Participation rate | 45.2% | 68.0%-22.8pp | 76.1%-30.9pp | 69.9%-24.6pp |
| Annual return | 11.09% | -1.38%+12.5pp | 850.99%-839.9pp | -9.96%+21.0pp |
| Employer contribution / active EE | $671 | $2,430-72.4% | $3,631-81.5% | $2,111-68.2% |
| Participant deferral / active EE | $1,296 | $2,935-55.9% | $4,082-68.3% | $3,350-61.3% |
| Admin fee / account holder | $60 | $656-90.9% | $5,479-98.9% | $521-88.5% |