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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $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.
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $108,957 | $84,482+29.0% | $125,363-13.1% | $66,930+62.8% |
| Participation rate | 59.8% | 76.4%-16.6pp | 82.4%-22.6pp | 69.8%-10.0pp |
| Annual return | -21.23% | -8.49%-12.7pp | 572.15%-593.4pp | 1.57%-22.8pp |
| Employer contribution / active EE | $0 | $3,553-100.0% | $4,815-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $9,784 | $6,782+44.3% | $7,447+31.4% | $4,238+130.9% |
| Admin fee / account holder | $2 | $685-99.7% | $10,005-100.0% | $593-99.7% |