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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $74,896 |
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.
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 | $21,659 | $67,512-67.9% | $185,849-88.3% | $93,010-76.7% |
| Participation rate | 21.1% | 67.1%-46.0pp | 81.7%-60.6pp | 73.9%-52.8pp |
| Annual return | 18.29% | 21.04%-2.7pp | 122.10%-103.8pp | 158.70%-140.4pp |
| Employer contribution / active EE | $1 | $1,783-100.0% | $5,169-100.0% | $2,705-100.0% |
| Participant deferral / active EE | $1,034 | $3,035-65.9% | $5,569-81.4% | $4,561-77.3% |
| Admin fee / account holder | $135 | $318-57.4% | $16,244-99.2% | $152-10.7% |