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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL11+ years Service code 37 · EIN 04-2647786 | Loan Processing | $418,661 |
Filed as: RW BAIRD Service code 27 · EIN 39-6037917 | Advisory (Plan) | $40,000 |
FRAZIER & DEETER, LLC11+ years Service code 10 · EIN 58-1433845 | Accounting | $25,000 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Form 5500 reported that benefits due were not provided when due.
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 | $81,119 | $126,505-35.9% | $152,093-46.7% | $126,505-35.9% |
| Participation rate | 69.4% | 81.0%-11.6pp | 77.8%-8.4pp | 81.0%-11.6pp |
| Annual return | 19.93% | 14.86%+5.1pp | 66.36%-46.4pp | 14.86%+5.1pp |
| Employer contribution / active EE | $1,603 | $4,041-60.3% | $4,175-61.6% | $4,041-60.3% |
| Participant deferral / active EE | $6,378 | $6,313+1.0% | $5,451+17.0% | $6,313+1.0% |
| Admin fee / account holder | $79 | $145-45.8% | $14,497-99.5% | $145-45.8% |