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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $66,072 |
Service code 27 · EIN 80-0833114 | Advisory (Plan) | $29,512 |
ARMANINO LLP3 years Service code 10 · EIN 94-6214841 | Accounting | $17,325 |
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.
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 | $77,455 | $66,004+17.3% | $81,820-5.3% | $77,714-0.3% |
| Participation rate | 63.7% | 65.8%-2.1pp | 72.4%-8.7pp | 70.6%-6.8pp |
| Annual return | 14.55% | 26.65%-12.1pp | 777.93%-763.4pp | 31.26%-16.7pp |
| Employer contribution / active EE | $0 | $2,375-100.0% | $2,915-100.0% | $2,727-100.0% |
| Participant deferral / active EE | $6,744 | $3,508+92.3% | $4,323+56.0% | $4,649+45.1% |
| Admin fee / account holder | $168 | $527-68.2% | $7,391-97.7% | $433-61.3% |