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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $14,917 |
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.
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 | $163,440 | $91,439+78.7% | $135,974+20.2% | $71,511+128.6% |
| Participation rate | 64.7% | 75.7%-11.0pp | 81.9%-17.3pp | 67.9%-3.3pp |
| Annual return | 20.11% | 29.90%-9.8pp | 68.30%-48.2pp | 28.86%-8.7pp |
| Employer contribution / active EE | $18 | $3,705-99.5% | $4,859-99.6% | $2,589-99.3% |
| Participant deferral / active EE | $11,957 | $7,093+68.6% | $7,760+54.1% | $4,291+178.7% |
| Admin fee / account holder | $144 | $1,267-88.7% | $10,767-98.7% | $1,588-91.0% |