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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $4,933 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return 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 | $50,204 | $82,163-38.9% | $125,381-60.0% | $64,819-22.5% |
| Participation rate | 58.7% | 77.9%-19.1pp | 82.4%-23.6pp | 71.5%-12.7pp |
| Annual return | -17.81% | 3.49%-21.3pp | 572.31%-590.1pp | 32.84%-50.7pp |
| Employer contribution / active EE | $1,014 | $3,616-72.0% | $4,815-78.9% | $2,507-59.5% |
| Participant deferral / active EE | $3,880 | $7,175-45.9% | $7,448-47.9% | $4,311-10.0% |
| Admin fee / account holder | $16 | $163-90.4% | $10,007-99.8% | $188-91.6% |