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| Provider | Service type | Compensation |
|---|---|---|
STRATEGIC FINANCIAL SERVICES7 years Service code 27 · EIN 16-1334685 | Advisory (Plan) | $34,183 |
Filed as: FIDELITY INVESTMENTS INST'L OPS CO Service code 37 · EIN 04-2647786 | Loan Processing | $28,360 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $81,768 | $71,526+14.3% | $98,450-16.9% | $71,495+14.4% |
| Participation rate | 60.5% | 72.7%-12.2pp | 75.2%-14.7pp | 67.9%-7.4pp |
| Annual return | 14.11% | 32.42%-18.3pp | 21.16%-7.1pp | 28.85%-14.7pp |
| Employer contribution / active EE | $414 | $2,400-82.8% | $3,049-86.4% | $2,589-84.0% |
| Participant deferral / active EE | $3,153 | $4,110-23.3% | $4,739-33.5% | $4,291-26.5% |
| Admin fee / account holder | $409 | $1,675-75.6% | $8,961-95.4% | $1,588-74.3% |