prosper fee vs lendingclub fee

prosper and lendingclub both charge investor a 1% fee; however, prosper charges 1% based on outstanding principal balance while lendingclub charges 1% of each payment. If the loan mature, there is no difference between them. However, if the loan default, prosper fee will be higher than lendingclub fee. If the loan prepay after one year, lendingclub will charge a 1% fee of remaining principal (equivalent to 1% annual interest of prosper) but prosper will not. Depending on prepayment rate vs. default rate; the total fee charged can be higher or lower comparing these two. My gut feeling is that lendingclub likely charges more because prepayment rate is higher than default rate.