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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $2,519 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $43,671 | $65,453-33.3% | $86,698-49.6% | $66,938-34.8% |
| Participation rate | 48.2% | 75.5%-27.2pp | 76.6%-28.4pp | 69.8%-21.6pp |
| Annual return | -15.62% | -10.89%-4.7pp | 35.95%-51.6pp | 1.58%-17.2pp |
| Employer contribution / active EE | $1,019 | $2,154-52.7% | $2,837-64.1% | $2,545-60.0% |
| Participant deferral / active EE | $2,933 | $4,102-28.5% | $4,656-37.0% | $4,238-30.8% |
| Admin fee / account holder | $22 | $642-96.6% | $7,493-99.7% | $594-96.3% |