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| Provider | Service type | Compensation |
|---|---|---|
OLIVER CAPITAL MANAGEMENT INC4+ years Service code 27 · EIN 14-1886561 | Advisory (Plan) | $39,234 |
Service code 37 · EIN 04-2647786 | Loan Processing | $16,182 |
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.)
Annual investment return 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).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $31,111 | $42,548-26.9% | $74,551-58.3% | $56,289-44.7% |
| Participation rate | 60.1% | 60.5%-0.4pp | 69.1%-9.1pp | 69.9%-9.8pp |
| Annual return | -8.11% | 12.40%-20.5pp | 32.53%-40.6pp | -9.96%+1.8pp |
| Employer contribution / active EE | $0 | $855-100.0% | $1,961-100.0% | $2,111-100.0% |
| Participant deferral / active EE | $3,609 | $2,277+58.5% | $3,108+16.1% | $3,350+7.7% |
| Admin fee / account holder | $335 | $467-28.4% | $5,059-93.4% | $521-35.8% |