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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $600 |
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.
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 | $101,084 | $86,341+17.1% | $125,195-19.3% | $65,186+55.1% |
| Participation rate | 60.6% | 75.3%-14.7pp | 79.8%-19.2pp | 70.2%-9.6pp |
| Annual return | 23.63% | 27.44%-3.8pp | 43.79%-20.2pp | 29.39%-5.8pp |
| Employer contribution / active EE | $0 | $2,040-100.0% | $3,866-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $5,169 | $3,538+46.1% | $4,937+4.7% | $3,514+47.1% |
| Admin fee / account holder | $14 | $609-97.7% | $9,704-99.9% | $847-98.3% |