| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $107,006 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $36,832 |
CARON & BLETZER, PLLC5 years Service code 10 · EIN 04-3499945 | Accounting | $12,000 |
RPW SOLUTIONS LLC2 years Service code 16 · EIN 88-1100312 | Consulting | $8,840 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported that benefits due were not provided when due.
Assets per participant exceed $250,000 - top-decile high-value plan.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $632,968 | $101,672+522.6% | $147,117+330.2% | $74,478+749.9% |
| Participation rate | 95.3% | 75.5%+19.8pp | 82.2%+13.2pp | 67.2%+28.1pp |
| Annual return | 12.66% | 8757.83%-8745.2pp | 420.54%-407.9pp | 1370.56%-1357.9pp |
| Employer contribution / active EE | $18,797 | $3,813+392.9% | $4,932+281.1% | $2,626+615.7% |
| Participant deferral / active EE | $13,365 | $7,305+83.0% | $8,065+65.7% | $4,350+207.2% |
| Admin fee / account holder | $871 | $1,753-50.3% | $12,993-93.3% | $1,946-55.2% |