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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $196,632 |
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 | $105,597 | $113,995-7.4% | $127,803-17.4% | $77,775+35.8% |
| Participation rate | 99.7% | 85.7%+14.0pp | 79.0%+20.7pp | 73.2%+26.5pp |
| Annual return | 19.72% | 26.09%-6.4pp | 26.14%-6.4pp | 32.58%-12.9pp |
| Employer contribution / active EE | $2,393 | $6,012-60.2% | $4,576-47.7% | $2,504-4.4% |
| Participant deferral / active EE | $5,126 | $7,267-29.5% | $6,023-14.9% | $3,966+29.2% |
| Admin fee / account holder | $139 | $108+28.9% | $9,399-98.5% | $100+38.8% |