Filed November 19, 2025
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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL11+ years Service code 37 · EIN 04-2647786 | Loan Processing | $41,615 |
CAMBRIDGE INVESTMENT RESEARCH11+ years Service code 27 · EIN 42-1445429 | Advisory (Plan) | $39,739 |
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.)
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 | $93,756 | $49,657+88.8% | $93,063+0.7% | $67,986+37.9% |
| Participation rate | 54.3% | 49.9%+4.4pp | 72.1%-17.8pp | 57.2%-2.9pp |
| Annual return | 17.15% | 26.27%-9.1pp | 34.15%-17.0pp | 31.67%-14.5pp |
| Employer contribution / active EE | $2,438 | $1,279+90.7% | $2,476-1.5% | $2,019+20.8% |
| Participant deferral / active EE | $4,857 | $2,484+95.6% | $3,958+22.7% | $3,358+44.7% |
| Admin fee / account holder | $370 | $2,843-87.0% | $6,033-93.9% | $3,203-88.5% |