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| Provider | Service type | Compensation |
|---|---|---|
AURORA PRIVATE WEALTH INC3 years Service code 27 · EIN 47-4814591 | Advisory (Plan) | $20,628 |
Filed as: FIDELITY INV INSTITUTIONAL OPER CO Service code 37 · EIN 04-2647786 | Loan Processing | $19,090 |
Filed as: RETIREMENT PLAN SOLUTIONS Service code 10 · EIN 30-0337628 | Accounting | $3,500 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $45,356 | $88,596-48.8% | $70,098-35.3% | $134,509-66.3% |
| Participation rate | 58.8% | 74.9%-16.1pp | 70.5%-11.7pp | 81.2%-22.4pp |
| Annual return | -18.89% | 442.67%-461.6pp | 190.76%-209.6pp | 418.13%-437.0pp |
| Employer contribution / active EE | $358 | $3,235-88.9% | $2,560-86.0% | $4,741-92.5% |
| Participant deferral / active EE | $5,478 | $4,772+14.8% | $3,849+42.3% | $6,400-14.4% |
| Admin fee / account holder | $338 | $10,441-96.8% | $6,266-94.6% | $11,427-97.0% |