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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $31,367 |
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 | $25,607 | $55,457-53.8% | $76,119-66.4% | $77,736-67.1% |
| Participation rate | 31.8% | 63.6%-31.8pp | 69.1%-37.2pp | 70.6%-38.7pp |
| Annual return | 34.12% | 17.09%+17.0pp | 361.25%-327.1pp | 31.26%+2.9pp |
| Employer contribution / active EE | $0 | $1,792-100.0% | $2,693-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $3,828 | $3,454+10.8% | $4,259-10.1% | $4,651-17.7% |
| Admin fee / account holder | $111 | $411-72.9% | $6,421-98.3% | $433-74.4% |