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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $9,660 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $74,297 | $65,453+13.5% | $86,691-14.3% | $66,930+11.0% |
| Participation rate | 56.1% | 75.5%-19.3pp | 76.6%-20.5pp | 69.8%-13.7pp |
| Annual return | -18.40% | -10.89%-7.5pp | 35.94%-54.3pp | 1.57%-20.0pp |
| Employer contribution / active EE | $614 | $2,154-71.5% | $2,837-78.3% | $2,545-75.9% |
| Participant deferral / active EE | $3,370 | $4,102-17.8% | $4,656-27.6% | $4,238-20.5% |
| Admin fee / account holder | $45 | $642-93.0% | $7,492-99.4% | $593-92.4% |