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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $10,611 |
Service code 55 · EIN 86-0588303 | Other Commissions | $4,861 |
MUTUAL SECURITIES INC1 year Service code 55 · EIN 95-3703162 | Other Commissions | $4,640 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Plan reported corrective distributions (failed ADP/ACP testing).
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $58,401 | $165,381-64.7% | $149,730-61.0% | $158,966-63.3% |
| Participation rate | 44.4% | 84.6%-40.1pp | 82.5%-38.0pp | 82.0%-37.5pp |
| Annual return | 10.65% | 348.29%-337.6pp | 276.70%-266.0pp | 302.95%-292.3pp |
| Employer contribution / active EE | $3,173 | $5,104-37.8% | $4,645-31.7% | $4,762-33.4% |
| Participant deferral / active EE | $4,607 | $7,182-35.9% | $6,843-32.7% | $5,983-23.0% |
| Admin fee / account holder | $123 | $10,809-98.9% | $9,310-98.7% | $11,250-98.9% |