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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $313 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $53,725 | $57,739-7.0% | $112,273-52.1% | $74,460-27.8% |
| Participation rate | 23.0% | 55.6%-32.6pp | 72.4%-49.4pp | 70.7%-47.7pp |
| Annual return | 21.36% | 19.52%+1.8pp | 30.23%-8.9pp | 34.38%-13.0pp |
| Employer contribution / active EE | $335 | $1,675-80.0% | $3,431-90.2% | $2,638-87.3% |
| Participant deferral / active EE | $1,176 | $2,891-59.3% | $4,800-75.5% | $4,530-74.0% |
| Admin fee / account holder | $2 | $462-99.7% | $7,752-100.0% | $348-99.6% |