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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $63,224 |
Service code 27 · EIN 35-2552359 | Advisory (Plan) | $39,091 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $34,931 | $106,230-67.1% | $147,080-76.3% | $77,736-55.1% |
| Participation rate | 68.9% | 78.4%-9.5pp | 82.2%-13.3pp | 70.6%-1.7pp |
| Annual return | 15.10% | 56.91%-41.8pp | 420.17%-405.1pp | 31.26%-16.2pp |
| Employer contribution / active EE | $1,367 | $4,072-66.4% | $4,933-72.3% | $2,728-49.9% |
| Participant deferral / active EE | $8,147 | $8,001+1.8% | $8,066+1.0% | $4,651+75.2% |
| Admin fee / account holder | $133 | $338-60.6% | $12,989-99.0% | $433-69.2% |