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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $17,516 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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.)
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $53,456 | $72,404-26.2% | $110,243-51.5% | $64,173-16.7% |
| Participation rate | 66.3% | 73.3%-7.0pp | 79.8%-13.5pp | 69.6%-3.3pp |
| Annual return | 0.55% | -6.29%+6.8pp | 314.76%-314.2pp | 7.63%-7.1pp |
| Employer contribution / active EE | $1,534 | $2,282-32.8% | $3,827-59.9% | $2,381-35.6% |
| Participant deferral / active EE | $940 | $3,469-72.9% | $4,672-79.9% | $3,470-72.9% |
| Admin fee / account holder | $339 | $5,664-94.0% | $8,548-96.0% | $4,887-93.1% |