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| Provider | Service type | Compensation |
|---|---|---|
AMERITAS LIFE INSURANCE CORP7 years Filed as: AMERITAS INVESTMENT CORP Service code 27 · EIN 47-0663374 | Advisory (Plan) | $40,989 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $20,634 |
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.
Retirees and beneficiaries make up 25% or more of total participants - indicates an ageing workforce or a frozen plan.
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $76,583 | $67,984+12.6% | $65,493+16.9% | $74,304+3.1% |
| Participation rate | 89.0% | 66.3%+22.7pp | 73.1%+15.9pp | 60.3%+28.7pp |
| Annual return | 9.00% | 19.87%-10.9pp | 982.45%-973.4pp | 29.43%-20.4pp |
| Employer contribution / active EE | $837 | $2,491-66.4% | $2,574-67.5% | $2,241-62.7% |
| Participant deferral / active EE | $2,836 | $3,346-15.3% | $3,961-28.4% | $3,767-24.7% |
| Admin fee / account holder | $336 | $1,373-75.5% | $5,028-93.3% | $2,969-88.7% |