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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $3,146 |
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 | $69,222 | $48,313+43.3% | $73,309-5.6% | $52,331+32.3% |
| Participation rate | 51.7% | 68.6%-16.8pp | 74.9%-23.2pp | 68.1%-16.4pp |
| Annual return | 0.68% | 3.85%-3.2pp | 5.67%-5.0pp | 4.54%-3.9pp |
| Employer contribution / active EE | $0 | $1,661-100.0% | $3,237-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $5,687 | $4,189+35.8% | $4,991+14.0% | $3,022+88.2% |
| Admin fee / account holder | $11 | $404-97.2% | $5,635-99.8% | $592-98.1% |