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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $4,131 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $64,796 | $63,905+1.4% | $74,185-12.7% | $57,658+12.4% |
| Participation rate | 55.1% | 79.8%-24.6pp | 76.6%-21.5pp | 70.2%-15.1pp |
| Annual return | 3.51% | 60.60%-57.1pp | 17.74%-14.2pp | 5.13%-1.6pp |
| Employer contribution / active EE | $374 | $1,840-79.7% | $2,370-84.2% | $1,974-81.0% |
| Participant deferral / active EE | $1,751 | $3,448-49.2% | $3,550-50.7% | $3,061-42.8% |
| Admin fee / account holder | $17 | $91-81.3% | $5,586-99.7% | $95-82.0% |