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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $8,869 |
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.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $61,129 | $42,546+43.7% | $71,796-14.9% | $55,167+10.8% |
| Participation rate | 24.3% | 59.1%-34.8pp | 69.1%-44.8pp | 69.0%-44.7pp |
| Annual return | 5.06% | 12.36%-7.3pp | 78.04%-73.0pp | 169.23%-164.2pp |
| Employer contribution / active EE | $0 | $803-100.0% | $1,924-100.0% | $1,963-100.0% |
| Participant deferral / active EE | $2,518 | $2,064+22.0% | $2,794-9.9% | $3,054-17.6% |
| Admin fee / account holder | $149 | $650-77.1% | $4,815-96.9% | $504-70.5% |