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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 81-5028704 | Advisory (Plan) | $108,989 |
MUN CPAS3 years Service code 10 · EIN 20-0276349 | Accounting | $12,150 |
FIDELITY INVESTMENTS INSTITUTIONAL11+ years Service code 60 · EIN 04-2647786 | Sub-TA Fees | $3,479 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $42,074 | $51,878-18.9% | $68,368-38.5% | $79,634-47.2% |
| Participation rate | 64.9% | 53.7%+11.2pp | 73.8%-8.9pp | 62.5%+2.4pp |
| Annual return | 18.02% | 137.43%-119.4pp | 292.57%-274.6pp | 36.46%-18.4pp |
| Employer contribution / active EE | $672 | $1,931-65.2% | $2,649-74.6% | $2,529-73.4% |
| Participant deferral / active EE | $3,741 | $2,577+45.1% | $4,123-9.3% | $3,835-2.4% |
| Admin fee / account holder | $391 | $942-58.5% | $5,150-92.4% | $1,002-61.0% |