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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $138 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $57,616 | $106,264-45.8% | $147,117-60.8% | $77,762-25.9% |
| Participation rate | 62.8% | 78.4%-15.6pp | 82.2%-19.4pp | 70.6%-7.8pp |
| Annual return | 9.26% | 56.94%-47.7pp | 420.54%-411.3pp | 31.27%-22.0pp |
| Employer contribution / active EE | $2,101 | $4,074-48.4% | $4,932-57.4% | $2,728-23.0% |
| Participant deferral / active EE | $5,891 | $8,003-26.4% | $8,065-26.9% | $4,651+26.7% |
| Admin fee / account holder | $7 | $334-97.9% | $12,993-99.9% | $433-98.4% |