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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $16,642 |
Service code 27 · EIN 36-4906731 | Advisory (Plan) | $13,000 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $15,293 | $45,602-66.5% | $117,533-87.0% | $66,938-77.2% |
| Participation rate | 69.3% | 57.6%+11.7pp | 70.6%-1.3pp | 69.8%-0.5pp |
| Annual return | -19.56% | -16.74%-2.8pp | 29.77%-49.3pp | 1.58%-21.1pp |
| Employer contribution / active EE | $843 | $1,579-46.6% | $4,179-79.8% | $2,545-66.9% |
| Participant deferral / active EE | $1,338 | $2,845-53.0% | $4,072-67.1% | $4,238-68.4% |
| Admin fee / account holder | $143 | $661-78.4% | $5,647-97.5% | $594-76.0% |