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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $6,000 |
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.
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 | $39,297 | $34,492+13.9% | $80,004-50.9% | $55,191-28.8% |
| Participation rate | 15.2% | 62.9%-47.6pp | 73.0%-57.8pp | 69.2%-53.9pp |
| Annual return | 3.32% | 3.50%-0.2pp | 7.63%-4.3pp | 10.78%-7.5pp |
| Employer contribution / active EE | $10 | $1,043-99.1% | $2,473-99.6% | $1,899-99.5% |
| Participant deferral / active EE | $1,021 | $2,104-51.5% | $3,204-68.1% | $3,046-66.5% |
| Admin fee / account holder | $44 | $69-36.9% | $5,033-99.1% | $91-51.8% |