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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $4,275 |
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 | $54,310 | $55,449-2.1% | $83,830-35.2% | $56,287-3.5% |
| Participation rate | 22.6% | 68.0%-45.4pp | 76.1%-53.5pp | 69.9%-47.2pp |
| Annual return | -7.51% | -1.38%-6.1pp | 850.97%-858.5pp | -9.96%+2.5pp |
| Employer contribution / active EE | $256 | $2,430-89.5% | $3,631-93.0% | $2,111-87.9% |
| Participant deferral / active EE | $1,260 | $2,935-57.1% | $4,082-69.1% | $3,350-62.4% |
| Admin fee / account holder | $126 | $656-80.8% | $5,479-97.7% | $521-75.9% |