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| Provider | Service type | Compensation |
|---|---|---|
Service code 21 · EIN 16-0373410 | Bank Trustee | $1,325 |
Filed as: FIDELITY INVESTMENTS Service code 59 · EIN 06-1194217 | Shareholder Servicing | $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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $32,435 | $42,546-23.8% | $71,796-54.8% | $55,167-41.2% |
| Participation rate | 61.1% | 59.1%+2.0pp | 69.1%-8.0pp | 69.0%-7.9pp |
| Annual return | 11.11% | 12.36%-1.2pp | 78.04%-66.9pp | 169.23%-158.1pp |
| Employer contribution / active EE | $186 | $803-76.9% | $1,924-90.4% | $1,963-90.5% |
| Participant deferral / active EE | $2,379 | $2,064+15.2% | $2,794-14.9% | $3,054-22.1% |
| Admin fee / account holder | $15 | $650-97.7% | $4,815-99.7% | $504-97.0% |