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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $53,790 |
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 | $20,296 | $50,902-60.1% | $155,534-87.0% | $77,736-73.9% |
| Participation rate | 65.1% | 63.1%+2.0pp | 78.2%-13.1pp | 70.6%-5.5pp |
| Annual return | 13.93% | 34.85%-20.9pp | 64.92%-51.0pp | 31.26%-17.3pp |
| Employer contribution / active EE | $0 | $1,991-100.0% | $4,675-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $3,419 | $2,824+21.1% | $5,630-39.3% | $4,651-26.5% |
| Admin fee / account holder | $124 | $437-71.6% | $15,900-99.2% | $433-71.4% |