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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $21,165 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $29,794 | $34,634-14.0% | $77,096-61.4% | $64,819-54.0% |
| Participation rate | 26.1% | 49.8%-23.7pp | 67.9%-41.8pp | 71.5%-45.3pp |
| Annual return | -8.64% | -5.31%-3.3pp | 42.35%-51.0pp | 32.84%-41.5pp |
| Employer contribution / active EE | $789 | $1,385-43.0% | $2,814-72.0% | $2,507-68.5% |
| Participant deferral / active EE | $1,305 | $2,553-48.9% | $4,429-70.5% | $4,311-69.7% |
| Admin fee / account holder | $113 | $178-36.8% | $5,428-97.9% | $188-40.0% |