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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $938 |
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 | $63,745 | $44,229+44.1% | $155,789-59.1% | $55,191+15.5% |
| Participation rate | 38.4% | 60.8%-22.4pp | 76.1%-37.7pp | 69.2%-30.7pp |
| Annual return | 2.35% | 0.37%+2.0pp | 71.54%-69.2pp | 10.78%-8.4pp |
| Employer contribution / active EE | $12 | $1,317-99.1% | $3,839-99.7% | $1,899-99.4% |
| Participant deferral / active EE | $1,839 | $2,851-35.5% | $4,798-61.7% | $3,046-39.6% |
| Admin fee / account holder | $8 | $86-90.7% | $7,477-99.9% | $91-91.1% |