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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $5,250 |
FIRST CLEARING LLC8+ years Service code 61 · EIN 23-2384840 | Finders' fees / placement fees | $0 |
Annual investment return 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 | $41,797 | $71,142-41.2% | $119,634-65.1% | $64,824-35.5% |
| Participation rate | 89.7% | 78.6%+11.1pp | 79.3%+10.4pp | 71.5%+18.2pp |
| Annual return | -17.75% | -10.01%-7.7pp | -14.98%-2.8pp | 32.84%-50.6pp |
| Employer contribution / active EE | $936 | $2,497-62.5% | $4,232-77.9% | $2,507-62.7% |
| Participant deferral / active EE | $3,616 | $4,490-19.5% | $5,601-35.4% | $4,311-16.1% |
| Admin fee / account holder | $11 | $162-93.1% | $10,329-99.9% | $188-94.1% |