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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $33,674 |
S L REED & COMPANY2 years Service code 27 · EIN 95-4569995 | Advisory (Plan) | $21,351 |
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.)
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 | $72,015 | $51,283+40.4% | $95,728-24.8% | $71,495+0.7% |
| Participation rate | 52.5% | 63.1%-10.6pp | 72.3%-19.8pp | 67.9%-15.5pp |
| Annual return | 19.31% | 25.25%-5.9pp | 28.40%-9.1pp | 28.85%-9.5pp |
| Employer contribution / active EE | $1,488 | $1,817-18.1% | $2,835-47.5% | $2,589-42.5% |
| Participant deferral / active EE | $2,645 | $3,365-21.4% | $4,245-37.7% | $4,291-38.4% |
| Admin fee / account holder | $417 | $1,135-63.3% | $5,673-92.7% | $1,588-73.7% |