Filed November 19, 2025
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| 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 | $59,093+29.4% | $97,295-21.4% | $77,762-1.7% |
| Participation rate | 48.1% | 67.8%-19.7pp | 72.7%-24.6pp | 70.6%-22.5pp |
| Annual return | 13.33% | 16.93%-3.6pp | 75.62%-62.3pp | 31.27%-17.9pp |
| Employer contribution / active EE | $2,047 | $1,727+18.5% | $2,723-24.8% | $2,728-25.0% |
| Participant deferral / active EE | $4,205 | $3,901+7.8% | $4,264-1.4% | $4,651-9.6% |
| Admin fee / account holder | $309 | $346-10.7% | $5,646-94.5% | $433-28.6% |