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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $950 |
FIRST CLEARING LLC2+ years Service code 61 · EIN 23-2384840 | Finders' fees / placement fees | $0 |
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.
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $68,596 | $52,884+29.7% | $84,753-19.1% | $55,167+24.3% |
| Participation rate | 38.4% | 67.5%-29.1pp | 76.6%-38.2pp | 69.0%-30.6pp |
| Annual return | 5.44% | 18.03%-12.6pp | 22.78%-17.3pp | 169.23%-163.8pp |
| Employer contribution / active EE | $0 | $2,233-100.0% | $3,574-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $2,249 | $2,644-14.9% | $3,712-39.4% | $3,054-26.4% |
| Admin fee / account holder | $9 | $581-98.5% | $5,333-99.8% | $504-98.2% |