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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $40,314 |
MOSS ADAMS LLP2 years Service code 10 · EIN 91-0189318 | Accounting | $23,500 |
Service code 27 · EIN 84-1921272 | Advisory (Plan) | $15,186 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $37,451 | $50,902-26.4% | $155,534-75.9% | $77,736-51.8% |
| Participation rate | 52.2% | 63.1%-10.9pp | 78.2%-26.0pp | 70.6%-18.4pp |
| Annual return | 16.47% | 34.85%-18.4pp | 64.92%-48.4pp | 31.26%-14.8pp |
| Employer contribution / active EE | $2,511 | $1,991+26.1% | $4,675-46.3% | $2,728-7.9% |
| Participant deferral / active EE | $5,175 | $2,824+83.3% | $5,630-8.1% | $4,651+11.3% |
| Admin fee / account holder | $233 | $437-46.6% | $15,900-98.5% | $433-46.2% |