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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $17,031 |
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.
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 | $42,675 | $46,332-7.9% | $143,799-70.3% | $64,819-34.2% |
| Participation rate | 87.8% | 64.2%+23.6pp | 80.3%+7.5pp | 71.5%+16.4pp |
| Annual return | -18.90% | -10.05%-8.8pp | -0.04%-18.9pp | 32.84%-51.7pp |
| Employer contribution / active EE | $4 | $1,911-99.8% | $4,952-99.9% | $2,507-99.8% |
| Participant deferral / active EE | $5,100 | $2,647+92.7% | $5,638-9.5% | $4,311+18.3% |
| Admin fee / account holder | $43 | $154-72.0% | $14,677-99.7% | $188-77.1% |