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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $29,120 |
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.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $38,498 | $56,095-31.4% | $178,503-78.4% | $90,274-57.4% |
| Participation rate | 22.5% | 65.6%-43.1pp | 81.9%-59.4pp | 73.4%-50.9pp |
| Annual return | 14.54% | 28.81%-14.3pp | 151.12%-136.6pp | 53.97%-39.4pp |
| Employer contribution / active EE | $115 | $1,572-92.7% | $5,011-97.7% | $2,523-95.4% |
| Participant deferral / active EE | $1,047 | $2,669-60.8% | $5,202-79.9% | $4,231-75.2% |
| Admin fee / account holder | $43 | $101-56.9% | $13,987-99.7% | $114-62.0% |