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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $12,042 |
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.
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 | $63,841 | $52,884+20.7% | $84,753-24.7% | $55,167+15.7% |
| Participation rate | 26.4% | 67.5%-41.1pp | 76.6%-50.1pp | 69.0%-42.5pp |
| Annual return | 3.49% | 18.03%-14.5pp | 22.78%-19.3pp | 169.23%-165.7pp |
| Employer contribution / active EE | $364 | $2,233-83.7% | $3,574-89.8% | $1,963-81.4% |
| Participant deferral / active EE | $1,456 | $2,644-44.9% | $3,712-60.8% | $3,054-52.3% |
| Admin fee / account holder | $145 | $581-75.0% | $5,333-97.3% | $504-71.2% |