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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $30,068 |
CAPITAL MARKETS IQ LLC2+ years Filed as: CAPITAL MARKETS IQ Service code 27 · EIN 30-0631599 | Advisory (Plan) | $15,251 |
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 that benefits due were not provided when due.
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 | $10,651 | $71,802-85.2% | $133,975-92.0% | $57,658-81.5% |
| Participation rate | 89.4% | 85.5%+3.9pp | 87.1%+2.4pp | 70.2%+19.2pp |
| Annual return | 7.16% | 13.51%-6.3pp | 29.29%-22.1pp | 5.13%+2.0pp |
| Employer contribution / active EE | $572 | $3,161-81.9% | $5,211-89.0% | $1,974-71.0% |
| Participant deferral / active EE | $2,963 | $4,606-35.7% | $6,282-52.8% | $3,061-3.2% |
| Admin fee / account holder | $94 | $88+7.7% | $9,324-99.0% | $95-0.1% |