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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $105,593 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $15,695 | $51,288-69.4% | $81,982-80.9% | $73,412-78.6% |
| Participation rate | 64.5% | 64.0%+0.5pp | 69.3%-4.8pp | 72.2%-7.7pp |
| Annual return | 22.41% | 29.48%-7.1pp | 41.31%-18.9pp | 59.30%-36.9pp |
| Employer contribution / active EE | $993 | $1,487-33.2% | $2,498-60.3% | $2,234-55.6% |
| Participant deferral / active EE | $1,836 | $2,715-32.4% | $3,722-50.7% | $3,806-51.8% |
| Admin fee / account holder | $167 | $125+33.3% | $5,665-97.1% | $158+5.8% |