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| Provider | Service type | Compensation |
|---|---|---|
HOBERMAN & LESSER, LLP9 years Service code 99 · EIN 47-1492235 | Other Fees | $9,500 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $1,225 |
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.
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 | $116,638 | $88,087+32.4% | $164,866-29.3% | $74,546+56.5% |
| Participation rate | 52.9% | 73.1%-20.1pp | 78.6%-25.7pp | 67.2%-14.3pp |
| Annual return | 13.39% | 17.27%-3.9pp | 69.97%-56.6pp | 1366.03%-1352.6pp |
| Employer contribution / active EE | $416 | $2,595-84.0% | $4,343-90.4% | $2,624-84.1% |
| Participant deferral / active EE | $3,298 | $4,499-26.7% | $6,033-45.3% | $4,347-24.1% |
| Admin fee / account holder | $95 | $2,232-95.8% | $12,689-99.3% | $1,944-95.1% |