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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $14,272 |
Service code 27 · EIN 43-1451524 | Advisory (Plan) | $10,477 |
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.
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).
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 | $63,055 | $58,888+7.1% | $178,498-64.7% | $73,493-14.2% |
| Participation rate | 37.7% | 66.2%-28.5pp | 81.9%-44.2pp | 70.7%-33.0pp |
| Annual return | 13.70% | 24.86%-11.2pp | 151.09%-137.4pp | 28.51%-14.8pp |
| Employer contribution / active EE | $0 | $2,236-100.0% | $5,011-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $3,724 | $2,568+45.0% | $5,202-28.4% | $3,740-0.4% |
| Admin fee / account holder | $325 | $400-18.8% | $13,985-97.7% | $513-36.7% |