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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $27,503 |
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.
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 | $109,262 | $138,393-21.0% | $184,256-40.7% | $80,959+35.0% |
| Participation rate | 67.5% | 83.9%-16.4pp | 86.8%-19.4pp | 67.7%-0.2pp |
| Annual return | 12.71% | 20.01%-7.3pp | 28.85%-16.1pp | 35.67%-23.0pp |
| Employer contribution / active EE | $0 | $4,847-100.0% | $6,427-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $10,942 | $7,076+54.6% | $9,133+19.8% | $4,300+154.4% |
| Admin fee / account holder | $259 | $10,489-97.5% | $13,899-98.1% | $6,925-96.3% |