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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $71,022 |
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $40,237 |
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 | $19,125 | $50,812-62.4% | $155,602-87.7% | $77,692-75.4% |
| Participation rate | 66.7% | 63.1%+3.6pp | 78.2%-11.5pp | 70.6%-3.9pp |
| Annual return | 16.85% | 34.85%-18.0pp | 64.81%-48.0pp | 31.25%-14.4pp |
| Employer contribution / active EE | $0 | $1,989-100.0% | $4,675-100.0% | $2,726-100.0% |
| Participant deferral / active EE | $3,378 | $2,822+19.7% | $5,629-40.0% | $4,648-27.3% |
| Admin fee / account holder | $121 | $436-72.2% | $15,923-99.2% | $431-71.8% |