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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $36,987 |
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 | $20,075 | $39,458-49.1% | $60,547-66.8% | $55,191-63.6% |
| Participation rate | 63.3% | 59.6%+3.7pp | 68.0%-4.6pp | 69.2%-5.8pp |
| Annual return | 2.81% | 3.35%-0.5pp | 335.64%-332.8pp | 10.78%-8.0pp |
| Employer contribution / active EE | $304 | $1,210-74.9% | $2,419-87.4% | $1,899-84.0% |
| Participant deferral / active EE | $1,240 | $2,140-42.1% | $3,328-62.7% | $3,046-59.3% |
| Admin fee / account holder | $61 | $95-35.6% | $4,536-98.6% | $91-32.5% |