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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $470 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $150,578 | $59,328+153.8% | $118,914+26.6% | $73,497+104.9% |
| Participation rate | 36.9% | 62.3%-25.4pp | 75.4%-38.5pp | 70.7%-33.8pp |
| Annual return | 22.41% | 19.13%+3.3pp | 35.89%-13.5pp | 28.51%-6.1pp |
| Employer contribution / active EE | $464 | $1,803-74.3% | $3,264-85.8% | $2,270-79.6% |
| Participant deferral / active EE | $1,952 | $2,604-25.0% | $4,266-54.2% | $3,740-47.8% |
| Admin fee / account holder | $65 | $600-89.1% | $6,582-99.0% | $513-87.3% |