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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $14,760 |
Service code 37 · EIN 04-2647786 | Loan Processing | $6,456 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 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 | $22,860 | $71,192-67.9% | $117,861-80.6% | $62,293-63.3% |
| Participation rate | 41.8% | 74.2%-32.5pp | 79.7%-37.9pp | 69.5%-27.7pp |
| Annual return | 15.40% | 18.66%-3.3pp | 335.11%-319.7pp | 28.90%-13.5pp |
| Employer contribution / active EE | $616 | $1,934-68.1% | $3,786-83.7% | $2,042-69.8% |
| Participant deferral / active EE | $1,691 | $3,189-47.0% | $4,482-62.3% | $3,169-46.6% |
| Admin fee / account holder | $133 | $587-77.4% | $8,021-98.3% | $479-72.3% |