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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | -$1,020 |
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.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $40,489 | $101,653-60.2% | $147,080-72.5% | $74,459-45.6% |
| Participation rate | 59.7% | 75.6%-15.9pp | 82.2%-22.5pp | 67.2%-7.5pp |
| Annual return | 21.23% | 8754.98%-8733.7pp | 420.17%-398.9pp | 1369.70%-1348.5pp |
| Employer contribution / active EE | $0 | $3,813-100.0% | $4,933-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $6,926 | $7,304-5.2% | $8,066-14.1% | $4,350+59.2% |
| Admin fee / account holder | $3 | $1,752-99.8% | $12,989-100.0% | $1,945-99.8% |