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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $22,703 |
Service code 37 · EIN 04-2647786 | Loan Processing | $21,273 |
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.)
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $60,724 | $65,453-7.2% | $86,698-30.0% | $66,938-9.3% |
| Participation rate | 69.4% | 75.5%-6.1pp | 76.6%-7.2pp | 69.8%-0.4pp |
| Annual return | -15.50% | -10.89%-4.6pp | 35.95%-51.5pp | 1.58%-17.1pp |
| Employer contribution / active EE | $752 | $2,154-65.1% | $2,837-73.5% | $2,545-70.5% |
| Participant deferral / active EE | $3,642 | $4,102-11.2% | $4,656-21.8% | $4,238-14.1% |
| Admin fee / account holder | $301 | $642-53.1% | $7,493-96.0% | $594-49.3% |