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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $4,556 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $24,645 | $65,118-62.2% | $76,768-67.9% | $55,725-55.8% |
| Participation rate | 61.6% | 79.6%-18.0pp | 77.0%-15.4pp | 70.9%-9.3pp |
| Annual return | -5.08% | -1.27%-3.8pp | 2.43%-7.5pp | 244.93%-250.0pp |
| Employer contribution / active EE | $273 | $1,941-85.9% | $2,485-89.0% | $2,078-86.8% |
| Participant deferral / active EE | $1,770 | $3,688-52.0% | $3,852-54.0% | $3,356-47.3% |
| Admin fee / account holder | $12 | $116-89.4% | $6,675-99.8% | $115-89.4% |