Filed November 19, 2025
Sign up free to preview peer percentile detail
Free accounts unlock saves, downloads, and 3-year history.
Sign up free to preview 10-year trajectory
Free accounts unlock saves, downloads, and 3-year history.
| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $37,785 |
CAMBRIDGE INVESTMENT RESEARCH10+ years Service code 27 · EIN 42-1445429 | Advisory (Plan) | $34,569 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $76,462 | $59,054+29.5% | $97,197-21.3% | $77,714-1.6% |
| Participation rate | 48.1% | 67.9%-19.8pp | 72.7%-24.6pp | 70.6%-22.5pp |
| Annual return | 13.33% | 16.96%-3.6pp | 75.47%-62.1pp | 31.26%-17.9pp |
| Employer contribution / active EE | $2,047 | $1,742+17.5% | $2,723-24.8% | $2,727-24.9% |
| Participant deferral / active EE | $4,205 | $3,930+7.0% | $4,263-1.4% | $4,649-9.6% |
| Admin fee / account holder | $309 | $346-10.7% | $5,637-94.5% | $433-28.6% |