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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $881 |
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 | $89,532 | $57,108+56.8% | $94,229-5.0% | $52,331+71.1% |
| Participation rate | 37.1% | 72.9%-35.8pp | 78.8%-41.7pp | 68.1%-31.0pp |
| Annual return | 1.29% | 1.47%-0.2pp | 10.68%-9.4pp | 4.54%-3.3pp |
| Employer contribution / active EE | $0 | $1,735-100.0% | $3,587-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $2,257 | $3,040-25.7% | $4,320-47.8% | $3,022-25.3% |
| Admin fee / account holder | $16 | $546-97.0% | $6,269-99.7% | $592-97.2% |