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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $50,467 |
UBS FINANCIAL SERVICES INC9 years Service code 27 · EIN 13-2638166 | Advisory (Plan) | $48,474 |
EISNERAMPER LLP4 years Service code 10 · EIN 87-1363769 | Accounting | $14,500 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $98,755 | $62,688+57.5% | $178,528-44.7% | $77,714+27.1% |
| Participation rate | 50.6% | 66.9%-16.3pp | 77.1%-26.5pp | 70.6%-20.0pp |
| Annual return | 11.97% | 16.16%-4.2pp | 27.11%-15.1pp | 31.26%-19.3pp |
| Employer contribution / active EE | $991 | $1,912-48.2% | $3,950-74.9% | $2,727-63.7% |
| Participant deferral / active EE | $4,292 | $4,224+1.6% | $6,278-31.6% | $4,649-7.7% |
| Admin fee / account holder | $386 | $386-0.1% | $10,419-96.3% | $433-10.9% |