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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $2,520 |
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 | $79,506 | $28,416+179.8% | $73,550+8.1% | $69,631+14.2% |
| Participation rate | 24.0% | 38.3%-14.3pp | 54.9%-30.9pp | 70.7%-46.7pp |
| Annual return | 13.10% | -694.13%+707.2pp | -15.16%+28.3pp | 27571.02%-27557.9pp |
| Employer contribution / active EE | $0 | $430-100.0% | $1,219-100.0% | $2,032-100.0% |
| Participant deferral / active EE | $1,033 | $897+15.1% | $1,804-42.8% | $3,224-68.0% |
| Admin fee / account holder | $24 | $104-76.6% | $2,320-98.9% | $110-77.8% |