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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 38-2722519 | Advisory (Plan) | $78,451 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 60 · EIN 04-2647786 | Sub-TA Fees | -$38,356 |
Annual investment return 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 | $110,907 | $89,067+24.5% | $102,423+8.3% | $77,714+42.7% |
| Participation rate | 96.2% | 80.9%+15.3pp | 76.5%+19.7pp | 70.6%+25.6pp |
| Annual return | 11.81% | 25.01%-13.2pp | 29.42%-17.6pp | 31.26%-19.4pp |
| Employer contribution / active EE | $3,083 | $2,699+14.2% | $3,023+2.0% | $2,727+13.1% |
| Participant deferral / active EE | $4,570 | $5,147-11.2% | $5,054-9.6% | $4,649-1.7% |
| Admin fee / account holder | $106 | $236-54.9% | $9,455-98.9% | $433-75.5% |