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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $24,955 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $85,671 | $91,517-6.4% | $101,271-15.4% | $73,412+16.7% |
| Participation rate | 41.5% | 73.8%-32.3pp | 75.8%-34.3pp | 72.2%-30.7pp |
| Annual return | 15.16% | 17.17%-2.0pp | 46.48%-31.3pp | 59.30%-44.1pp |
| Employer contribution / active EE | $394 | $2,877-86.3% | $3,660-89.2% | $2,234-82.3% |
| Participant deferral / active EE | $2,837 | $3,338-15.0% | $4,371-35.1% | $3,806-25.4% |
| Admin fee / account holder | $92 | $216-57.2% | $5,948-98.4% | $158-41.5% |