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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $17,095 |
CAPITAL MARKETS IQ LLC1+ years Filed as: CAPITAL MARKETS IQ Service code 27 · EIN 30-0631599 | Advisory (Plan) | $12,674 |
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.
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).
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 | $8,614 | $68,413-87.4% | $123,105-93.0% | $55,191-84.4% |
| Participation rate | 91.4% | 84.5%+6.9pp | 86.8%+4.6pp | 69.2%+22.3pp |
| Annual return | -0.80% | 6.30%-7.1pp | 13.22%-14.0pp | 10.78%-11.6pp |
| Employer contribution / active EE | $586 | $3,050-80.8% | $5,151-88.6% | $1,899-69.1% |
| Participant deferral / active EE | $2,692 | $4,490-40.1% | $6,229-56.8% | $3,046-11.6% |
| Admin fee / account holder | $62 | $88-29.4% | $9,014-99.3% | $91-31.7% |