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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $4,583 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $29,002 | $50,385-42.4% | $75,501-61.6% | $62,293-53.4% |
| Participation rate | 48.9% | 67.7%-18.8pp | 72.4%-23.5pp | 69.5%-20.6pp |
| Annual return | 8.68% | 19.90%-11.2pp | 27.35%-18.7pp | 28.90%-20.2pp |
| Employer contribution / active EE | $184 | $1,537-88.0% | $2,352-92.2% | $2,042-91.0% |
| Participant deferral / active EE | $1,338 | $2,445-45.3% | $3,142-57.4% | $3,169-57.8% |
| Admin fee / account holder | $60 | $384-84.5% | $5,801-99.0% | $479-87.6% |