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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $53,539 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $121,576 | $59,006+106.0% | $97,260+25.0% | $74,459+63.3% |
| Participation rate | 46.9% | 63.7%-16.8pp | 72.7%-25.8pp | 67.2%-20.3pp |
| Annual return | 22.73% | 16.04%+6.7pp | 75.54%-52.8pp | 1369.70%-1347.0pp |
| Employer contribution / active EE | $1,005 | $1,894-46.9% | $2,721-63.1% | $2,626-61.7% |
| Participant deferral / active EE | $5,084 | $3,671+38.5% | $4,262+19.3% | $4,350+16.9% |
| Admin fee / account holder | $362 | $1,974-81.7% | $5,640-93.6% | $1,945-81.4% |