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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $23,552 |
UBS FINANCIAL SERVICES INC3 years Service code 27 · EIN 13-2638166 | Advisory (Plan) | $11,792 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $19,603 | $51,096-61.6% | $100,712-80.5% | $71,012-72.4% |
| Participation rate | 61.1% | 47.0%+14.1pp | 69.3%-8.1pp | 58.6%+2.6pp |
| Annual return | 10.08% | 16.42%-6.3pp | 33.27%-23.2pp | 37.67%-27.6pp |
| Employer contribution / active EE | $217 | $1,127-80.8% | $2,313-90.6% | $2,348-90.8% |
| Participant deferral / active EE | $1,531 | $1,937-21.0% | $4,085-62.5% | $3,246-52.8% |
| Admin fee / account holder | $150 | $2,179-93.1% | $9,256-98.4% | $1,167-87.1% |