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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $62,826 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $23,316 | $59,054-60.5% | $97,260-76.0% | $77,736-70.0% |
| Participation rate | 68.5% | 67.9%+0.7pp | 72.7%-4.1pp | 70.6%-2.0pp |
| Annual return | 17.70% | 16.96%+0.7pp | 75.54%-57.8pp | 31.26%-13.6pp |
| Employer contribution / active EE | $0 | $1,742-100.0% | $2,721-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $4,339 | $3,930+10.4% | $4,262+1.8% | $4,651-6.7% |
| Admin fee / account holder | $119 | $346-65.5% | $5,640-97.9% | $433-72.4% |