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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $7,192 |
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 | $110,434 | $88,087+25.4% | $164,866-33.0% | $74,546+48.1% |
| Participation rate | 41.5% | 73.1%-31.6pp | 78.6%-37.2pp | 67.2%-25.8pp |
| Annual return | 14.57% | 17.27%-2.7pp | 69.97%-55.4pp | 1366.03%-1351.5pp |
| Employer contribution / active EE | $372 | $2,595-85.7% | $4,343-91.4% | $2,624-85.8% |
| Participant deferral / active EE | $2,488 | $4,499-44.7% | $6,033-58.8% | $4,347-42.8% |
| Admin fee / account holder | $56 | $2,232-97.5% | $12,689-99.6% | $1,944-97.1% |