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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $5,988 |
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.
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 | $48,617 | $29,369+65.5% | $77,513-37.3% | $73,412-33.8% |
| Participation rate | 20.9% | 37.9%-17.0pp | 54.2%-33.3pp | 72.2%-51.2pp |
| Annual return | 10.11% | 358.15%-348.0pp | 54.81%-44.7pp | 59.30%-49.2pp |
| Employer contribution / active EE | $0 | $406-100.0% | $987-100.0% | $2,234-100.0% |
| Participant deferral / active EE | $538 | $941-42.8% | $1,861-71.1% | $3,806-85.9% |
| Admin fee / account holder | $37 | $123-70.2% | $2,859-98.7% | $158-76.8% |