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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $5,520 |
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.
Annual investment return 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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $80,316 | $58,726+36.8% | $92,240-12.9% | $62,293+28.9% |
| Participation rate | 25.5% | 68.3%-42.9pp | 76.5%-51.0pp | 69.5%-44.0pp |
| Annual return | 12.50% | 43.62%-31.1pp | 176.29%-163.8pp | 28.90%-16.4pp |
| Employer contribution / active EE | $236 | $2,392-90.1% | $3,680-93.6% | $2,042-88.5% |
| Participant deferral / active EE | $1,251 | $2,766-54.8% | $3,897-67.9% | $3,169-60.5% |
| Admin fee / account holder | $243 | $556-56.3% | $5,194-95.3% | $479-49.2% |