Filed June 18, 2025
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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 04-2675571 | Advisory (Plan) | $11,498 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | -$325 |
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 | $87,853 | $45,119+94.7% | $85,126+3.2% | $74,429+18.0% |
| Participation rate | 88.5% | 49.4%+39.2pp | 67.5%+21.0pp | 67.2%+21.3pp |
| Annual return | 12.48% | 26.28%-13.8pp | 66.63%-54.2pp | 1368.38%-1355.9pp |
| Employer contribution / active EE | $5,370 | $1,460+267.7% | $2,731+96.6% | $2,625+104.6% |
| Participant deferral / active EE | $5,579 | $2,738+103.8% | $4,523+23.3% | $4,348+28.3% |
| Admin fee / account holder | $47 | $2,214-97.9% | $6,160-99.2% | $1,944-97.6% |