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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $8,651 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $28,987 | $83,045-65.1% | $130,045-77.7% | $71,511-59.5% |
| Participation rate | 36.3% | 74.1%-37.8pp | 78.5%-42.2pp | 67.9%-31.6pp |
| Annual return | 23.20% | 20.61%+2.6pp | -137.30%+160.5pp | 28.86%-5.7pp |
| Employer contribution / active EE | $20 | $2,623-99.2% | $4,321-99.5% | $2,589-99.2% |
| Participant deferral / active EE | $4,779 | $4,436+7.8% | $5,820-17.9% | $4,291+11.4% |
| Admin fee / account holder | $88 | $1,727-94.9% | $10,600-99.2% | $1,588-94.5% |