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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $188 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $32,401 | $89,652-63.9% | $141,191-77.1% | $65,185-50.3% |
| Participation rate | 58.9% | 74.7%-15.8pp | 82.5%-23.6pp | 70.2%-11.3pp |
| Annual return | 60.35% | 32.79%+27.6pp | 71.41%-11.1pp | 29.38%+31.0pp |
| Employer contribution / active EE | $0 | $3,065-100.0% | $4,736-100.0% | $2,177-100.0% |
| Participant deferral / active EE | $6,829 | $5,691+20.0% | $6,710+1.8% | $3,514+94.3% |
| Admin fee / account holder | $2 | $569-99.6% | $10,264-100.0% | $847-99.7% |