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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $3,540 |
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.
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $110,136 | $106,749+3.2% | $145,433-24.3% | $82,448+33.6% |
| Participation rate | 55.8% | 75.6%-19.8pp | 82.1%-26.3pp | 68.1%-12.3pp |
| Annual return | -10.86% | 27.59%-38.5pp | 66.58%-77.4pp | 41.64%-52.5pp |
| Employer contribution / active EE | $1 | $3,444-100.0% | $4,554-100.0% | $2,551-100.0% |
| Participant deferral / active EE | $18,707 | $6,519+187.0% | $7,897+136.9% | $4,139+351.9% |
| Admin fee / account holder | $55 | $8,390-99.3% | $13,129-99.6% | $7,234-99.2% |