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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $32,801 |
S L REED & COMPANY1 year Service code 27 · EIN 95-4569995 | Advisory (Plan) | $20,370 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return 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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $56,404 | $44,714+26.1% | $91,225-38.2% | $66,938-15.7% |
| Participation rate | 60.1% | 65.0%-4.9pp | 73.2%-13.1pp | 69.8%-9.7pp |
| Annual return | -19.51% | -12.25%-7.3pp | 114.12%-133.6pp | 1.58%-21.1pp |
| Employer contribution / active EE | $3,209 | $1,710+87.6% | $2,851+12.6% | $2,545+26.1% |
| Participant deferral / active EE | $2,565 | $3,355-23.6% | $4,233-39.4% | $4,238-39.5% |
| Admin fee / account holder | $374 | $521-28.1% | $5,422-93.1% | $594-36.9% |