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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $775 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
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 | $62,803 | $58,093+8.1% | $80,022-21.5% | $56,289+11.6% |
| Participation rate | 41.4% | 73.6%-32.3pp | 75.8%-34.5pp | 69.9%-28.5pp |
| Annual return | -7.67% | 34.63%-42.3pp | 11.22%-18.9pp | -9.96%+2.3pp |
| Employer contribution / active EE | $498 | $1,933-74.2% | $2,468-79.8% | $2,111-76.4% |
| Participant deferral / active EE | $2,350 | $3,136-25.1% | $3,686-36.2% | $3,350-29.8% |
| Admin fee / account holder | $8 | $623-98.7% | $6,521-99.9% | $521-98.4% |