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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $46,640 |
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 | $96,699 | $73,459+31.6% | $178,528-45.8% | $74,429+29.9% |
| Participation rate | 91.2% | 66.5%+24.7pp | 77.1%+14.1pp | 67.2%+24.0pp |
| Annual return | 19.82% | 17.50%+2.3pp | 27.11%-7.3pp | 1368.38%-1348.6pp |
| Employer contribution / active EE | $1,382 | $2,219-37.7% | $3,950-65.0% | $2,625-47.4% |
| Participant deferral / active EE | $6,522 | $4,515+44.5% | $6,278+3.9% | $4,348+50.0% |
| Admin fee / account holder | $377 | $1,812-79.2% | $10,419-96.4% | $1,944-80.6% |