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| Provider | Service type | Compensation |
|---|---|---|
JANNEY MONTGOMERY SCOTT LLC8 years Service code 27 · EIN 23-0731260 | Advisory (Plan) | $26,974 |
FIDELITY INVESTMENTS INSTITUTIONAL11+ years Service code 37 · EIN 04-2647786 | Loan Processing | $26,783 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $84,849 | $83,369+1.8% | $105,223-19.4% | $67,986+24.8% |
| Participation rate | 62.9% | 56.3%+6.6pp | 75.0%-12.2pp | 57.2%+5.7pp |
| Annual return | 16.00% | 24.64%-8.6pp | 180.65%-164.6pp | 31.67%-15.7pp |
| Employer contribution / active EE | $1,189 | $2,541-53.2% | $3,689-67.8% | $2,019-41.1% |
| Participant deferral / active EE | $3,051 | $3,295-7.4% | $5,072-39.8% | $3,358-9.1% |
| Admin fee / account holder | $332 | $4,073-91.9% | $8,859-96.3% | $3,203-89.6% |