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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $27,232 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Form 5500 reported that benefits due were not provided when due.
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 | $90,084 | $92,076-2.2% | $105,607-14.7% | $77,736+15.9% |
| Participation rate | 68.1% | 81.0%-12.9pp | 75.3%-7.2pp | 70.6%-2.5pp |
| Annual return | 17.62% | 17.84%-0.2pp | 116.11%-98.5pp | 31.26%-13.6pp |
| Employer contribution / active EE | $482 | $3,370-85.7% | $3,167-84.8% | $2,728-82.3% |
| Participant deferral / active EE | $3,489 | $5,390-35.3% | $5,011-30.4% | $4,651-25.0% |
| Admin fee / account holder | $49 | $219-77.8% | $10,958-99.6% | $433-88.8% |