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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $175 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $101,393 | $49,471+105.0% | $79,583+27.4% | $66,949+51.4% |
| Participation rate | 35.6% | 61.4%-25.7pp | 69.5%-33.9pp | 69.8%-34.2pp |
| Annual return | -16.46% | 84.30%-100.8pp | 0.16%-16.6pp | 1.57%-18.0pp |
| Employer contribution / active EE | $0 | $1,266-100.0% | $2,414-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $3,441 | $3,160+8.9% | $3,986-13.7% | $4,239-18.8% |
| Admin fee / account holder | $21 | $595-96.6% | $6,835-99.7% | $594-96.5% |