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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $964 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $32,885 | $50,385-34.7% | $75,501-56.4% | $62,293-47.2% |
| Participation rate | 48.8% | 67.7%-18.9pp | 72.4%-23.5pp | 69.5%-20.7pp |
| Annual return | 16.81% | 19.90%-3.1pp | 27.35%-10.5pp | 28.90%-12.1pp |
| Employer contribution / active EE | $0 | $1,537-100.0% | $2,352-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $2,915 | $2,445+19.2% | $3,142-7.2% | $3,169-8.0% |
| Admin fee / account holder | $26 | $384-93.3% | $5,801-99.6% | $479-94.6% |