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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $229,214 |
FIDUCIARY EXPERTS LLC6+ years Service code 27 · EIN 95-1851437 | Advisory (Plan) | $65,000 |
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.
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 | $29,514 | $63,259-53.3% | $178,499-83.5% | $93,223-68.3% |
| Participation rate | 31.5% | 72.1%-40.7pp | 81.9%-50.5pp | 74.9%-43.4pp |
| Annual return | 13.15% | 19.93%-6.8pp | 151.10%-137.9pp | 19.29%-6.1pp |
| Employer contribution / active EE | $276 | $1,865-85.2% | $5,011-94.5% | $2,680-89.7% |
| Participant deferral / active EE | $1,290 | $3,372-61.7% | $5,202-75.2% | $4,563-71.7% |
| Admin fee / account holder | $126 | $58+117.3% | $13,986-99.1% | $79+59.2% |