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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $280,520 |
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 | $76,306 | $27,839+174.1% | $61,629+23.8% | $78,104-2.3% |
| Participation rate | 48.1% | 29.8%+18.2pp | 52.6%-4.5pp | 74.5%-26.4pp |
| Annual return | -18.48% | -13.45%-5.0pp | 339.09%-357.6pp | 10.90%-29.4pp |
| Employer contribution / active EE | $1,956 | $367+433.4% | $1,160+68.6% | $3,128-37.5% |
| Participant deferral / active EE | $3,399 | $968+251.3% | $2,124+60.0% | $5,089-33.2% |
| Admin fee / account holder | $68 | $113-39.9% | $2,132-96.8% | $79-13.8% |