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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Filed as: FIDELITY INV INSTITUTIONAL OPER CO Service code 64 · EIN 04-2647786 | Recordkeeping Fees | $19,645 |
AURORA PRIVATE WEALTH INC5 years Service code 27 · EIN 47-4814591 | Advisory (Plan) | $13,269 |
CARON & BLETZER, PLLC1 year Service code 10 · EIN 04-3499945 | Accounting | $11,700 |
Filed as: ALERA INVESTMENT ADVISORS, LLC Service code 27 · EIN 82-1301701 | Advisory (Plan) | $6,491 |
Filed as: RETIREMENT PLAN SOLUTIONS Service code 26 · EIN 30-0337628 | Advisory (Participants) | $6,020 |
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.
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 | $62,917 | $100,262-37.2% | $81,370-22.7% | $145,897-56.9% |
| Participation rate | 45.5% | 74.3%-28.8pp | 69.5%-24.1pp | 80.3%-34.9pp |
| Annual return | 16.42% | 34.52%-18.1pp | 24.85%-8.4pp | 552.29%-535.9pp |
| Employer contribution / active EE | $0 | $2,979-100.0% | $2,464-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $7,547 | $4,612+63.6% | $3,885+94.3% | $6,689+12.8% |
| Admin fee / account holder | $539 | $8,163-93.4% | $5,749-90.6% | $13,390-96.0% |