| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $5,344 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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 | $85,465 | $58,344+46.5% | $98,508-13.2% | $86,828-1.6% |
| Participation rate | 62.5% | 68.4%-5.9pp | 73.3%-10.8pp | 72.3%-9.7pp |
| Annual return | 10.21% | 43.47%-33.3pp | 1495.22%-1485.0pp | 97.95%-87.7pp |
| Employer contribution / active EE | $990 | $2,008-50.7% | $2,961-66.6% | $2,406-58.9% |
| Participant deferral / active EE | $4,107 | $3,156+30.1% | $4,276-4.0% | $4,132-0.6% |
| Admin fee / account holder | $24 | $138-82.3% | $5,956-99.6% | $170-85.6% |