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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $100 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $22,851 | $56,171-59.3% | $108,745-79.0% | $55,167-58.6% |
| Participation rate | 40.3% | 70.7%-30.4pp | 77.7%-37.4pp | 69.0%-28.7pp |
| Annual return | 11.09% | 214.86%-203.8pp | 46.22%-35.1pp | 169.23%-158.1pp |
| Employer contribution / active EE | $417 | $2,153-80.6% | $3,323-87.5% | $1,963-78.8% |
| Participant deferral / active EE | $3,516 | $3,437+2.3% | $5,121-31.3% | $3,054+15.1% |
| Admin fee / account holder | $1 | $302-99.7% | $6,144-100.0% | $504-99.8% |