Filed February 5, 2025
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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $40,656 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $52,972 | $57,775-8.3% | $121,214-56.3% | $80,187-33.9% |
| Participation rate | 33.3% | 59.1%-25.9pp | 69.5%-36.3pp | 72.9%-39.7pp |
| Annual return | 17.20% | 20.30%-3.1pp | 987.67%-970.5pp | 40.40%-23.2pp |
| Employer contribution / active EE | $253 | $2,132-88.1% | $4,171-93.9% | $2,980-91.5% |
| Participant deferral / active EE | $1,648 | $3,109-47.0% | $4,084-59.6% | $5,016-67.1% |
| Admin fee / account holder | $32 | $122-73.8% | $5,647-99.4% | $145-78.1% |