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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $2,128 |
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.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $79,862 | $23,385+241.5% | $69,182+15.4% | $57,658+38.5% |
| Participation rate | 27.2% | 37.9%-10.8pp | 55.1%-28.0pp | 70.2%-43.1pp |
| Annual return | 3.20% | -659.34%+662.5pp | -21.93%+25.1pp | 5.13%-1.9pp |
| Employer contribution / active EE | $0 | $422-100.0% | $1,206-100.0% | $1,974-100.0% |
| Participant deferral / active EE | $1,059 | $843+25.6% | $1,897-44.2% | $3,061-65.4% |
| Admin fee / account holder | $25 | $82-69.4% | $2,697-99.1% | $95-73.4% |