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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $52,751 |
THE WATERFORD GROUP LLC6 years Service code 27 · EIN 80-0675279 | Advisory (Plan) | $20,000 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $226,054 | $80,763+179.9% | $102,412+120.7% | $74,459+203.6% |
| Participation rate | 86.0% | 65.7%+20.3pp | 74.5%+11.5pp | 67.2%+18.8pp |
| Annual return | 17.65% | 27.57%-9.9pp | 24.94%-7.3pp | 1369.70%-1352.0pp |
| Employer contribution / active EE | $5,624 | $3,160+78.0% | $3,870+45.3% | $2,626+114.2% |
| Participant deferral / active EE | $12,775 | $3,862+230.8% | $5,060+152.5% | $4,350+193.7% |
| Admin fee / account holder | $325 | $2,371-86.3% | $8,388-96.1% | $1,945-83.3% |