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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $11,188 |
FIRST CLEARING LLC1 year Service code 55 · EIN 23-2384840 | Other Commissions | $2,076 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return 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.
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).
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 | $53,041 | $60,165-11.8% | $74,184-28.5% | $55,167-3.9% |
| Participation rate | 70.6% | 74.2%-3.6pp | 76.6%-6.0pp | 69.0%+1.6pp |
| Annual return | 4.81% | 10.00%-5.2pp | 17.74%-12.9pp | 169.23%-164.4pp |
| Employer contribution / active EE | $0 | $1,600-100.0% | $2,370-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $2,985 | $2,973+0.4% | $3,550-15.9% | $3,054-2.3% |
| Admin fee / account holder | $124 | $419-70.4% | $5,586-97.8% | $504-75.3% |