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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $1,740 |
FIRST CLEARING LLC2+ years Service code 61 · EIN 23-2384840 | Finders' fees / placement fees | $0 |
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $29,407 | $48,364-39.2% | $71,796-59.0% | $62,881-53.2% |
| Participation rate | 30.2% | 60.6%-30.4pp | 69.1%-38.9pp | 69.3%-39.1pp |
| Annual return | 4.24% | 13.16%-8.9pp | 78.04%-73.8pp | 20.14%-15.9pp |
| Employer contribution / active EE | $175 | $1,042-83.2% | $1,924-90.9% | $2,281-92.3% |
| Participant deferral / active EE | $1,409 | $2,091-32.6% | $2,794-49.6% | $3,203-56.0% |
| Admin fee / account holder | $111 | $3,771-97.0% | $4,815-97.7% | $4,296-97.4% |