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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $1,225 |
FIRST CLEARING LLC1+ years Service code 61 · EIN 23-2384840 | Finders' fees / placement fees | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant 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 | $37,216 | $50,498-26.3% | $75,784-50.9% | $55,191-32.6% |
| Participation rate | 49.5% | 69.4%-19.9pp | 75.8%-26.3pp | 69.2%-19.7pp |
| Annual return | -0.47% | 1.80%-2.3pp | 9.68%-10.1pp | 10.78%-11.2pp |
| Employer contribution / active EE | $1,282 | $2,291-44.0% | $3,323-61.4% | $1,899-32.5% |
| Participant deferral / active EE | $957 | $2,589-63.0% | $3,652-73.8% | $3,046-68.6% |
| Admin fee / account holder | $6 | $123-95.0% | $5,300-99.9% | $91-93.3% |