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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $2,830 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $52,654 | $38,365+37.2% | $84,623-37.8% | $65,185-19.2% |
| Participation rate | 62.0% | 55.7%+6.4pp | 68.2%-6.2pp | 70.2%-8.2pp |
| Annual return | 20.12% | 32.00%-11.9pp | 258.77%-238.7pp | 29.38%-9.3pp |
| Employer contribution / active EE | $740 | $1,258-41.2% | $2,652-72.1% | $2,177-66.0% |
| Participant deferral / active EE | $3,520 | $2,278+54.5% | $3,899-9.7% | $3,514+0.2% |
| Admin fee / account holder | $24 | $451-94.6% | $4,913-99.5% | $847-97.1% |