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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $1,400 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $59,959 | $56,640+5.9% | $78,002-23.1% | $55,167+8.7% |
| Participation rate | 60.9% | 73.3%-12.5pp | 75.5%-14.7pp | 69.0%-8.1pp |
| Annual return | 5.35% | 2868.48%-2863.1pp | 425.99%-420.6pp | 169.23%-163.9pp |
| Employer contribution / active EE | $762 | $1,724-55.8% | $2,470-69.2% | $1,963-61.2% |
| Participant deferral / active EE | $2,180 | $2,778-21.5% | $3,497-37.7% | $3,054-28.6% |
| Admin fee / account holder | $17 | $467-96.4% | $5,481-99.7% | $504-96.7% |