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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $14,946 |
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $143,730 | $84,493+70.1% | $125,381+14.6% | $66,938+114.7% |
| Participation rate | 61.2% | 76.4%-15.3pp | 82.4%-21.2pp | 69.8%-8.7pp |
| Annual return | -18.69% | -8.49%-10.2pp | 572.31%-591.0pp | 1.58%-20.3pp |
| Employer contribution / active EE | $0 | $3,554-100.0% | $4,815-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $9,633 | $6,783+42.0% | $7,448+29.3% | $4,238+127.3% |
| Admin fee / account holder | $147 | $685-78.6% | $10,007-98.5% | $594-75.3% |