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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $775 |
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.
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 | $106,225 | $54,573+94.6% | $90,970+16.8% | $73,497+44.5% |
| Participation rate | 35.0% | 61.2%-26.1pp | 69.0%-34.0pp | 70.7%-35.7pp |
| Annual return | 13.72% | 16.69%-3.0pp | 134.60%-120.9pp | 28.51%-14.8pp |
| Employer contribution / active EE | $0 | $991-100.0% | $2,122-100.0% | $2,270-100.0% |
| Participant deferral / active EE | $2,348 | $2,517-6.7% | $3,373-30.4% | $3,740-37.2% |
| Admin fee / account holder | $24 | $521-95.5% | $5,961-99.6% | $513-95.4% |