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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $2,635 |
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 | $84,770 | $73,638+15.1% | $95,964-11.7% | $73,497+15.3% |
| Participation rate | 21.2% | 76.2%-54.9pp | 77.1%-55.9pp | 70.7%-49.5pp |
| Annual return | 19.52% | 16.78%+2.7pp | 91.64%-72.1pp | 28.51%-9.0pp |
| Employer contribution / active EE | $237 | $1,863-87.3% | $2,541-90.7% | $2,270-89.5% |
| Participant deferral / active EE | $1,844 | $3,617-49.0% | $4,167-55.7% | $3,740-50.7% |
| Admin fee / account holder | $78 | $482-83.9% | $6,797-98.9% | $513-84.9% |