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| Provider | Service type | Compensation |
|---|---|---|
STRATEGIC FINANCIAL SERVICES9 years Service code 27 · EIN 16-1334685 | Advisory (Plan) | $43,622 |
Filed as: FIDELITY INVESTMENTS INST'L OPS CO Service code 37 · EIN 04-2647786 | Loan Processing | $32,924 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 60 | Sub-TA Fees | $0 |
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 | $105,168 | $80,705+30.3% | $115,768-9.2% | $67,986+54.7% |
| Participation rate | 57.7% | 63.0%-5.3pp | 74.4%-16.7pp | 57.2%+0.5pp |
| Annual return | 18.95% | 18.49%+0.5pp | 100.46%-81.5pp | 31.67%-12.7pp |
| Employer contribution / active EE | $452 | $2,046-77.9% | $2,940-84.6% | $2,019-77.6% |
| Participant deferral / active EE | $3,292 | $3,559-7.5% | $4,917-33.0% | $3,358-2.0% |
| Admin fee / account holder | $524 | $4,135-87.3% | $12,439-95.8% | $3,203-83.6% |