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| Provider | Service type | Compensation |
|---|---|---|
HORAN SECURITIES INC6 years Service code 27 · EIN 31-1448612 | Advisory (Plan) | $52,760 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $8,597 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $94,146 | $79,867+17.9% | $120,344-21.8% | $64,340+46.3% |
| Participation rate | 99.3% | 63.0%+36.4pp | 76.7%+22.6pp | 55.2%+44.1pp |
| Annual return | 4.85% | 21.10%-16.3pp | 20.30%-15.5pp | 24.14%-19.3pp |
| Employer contribution / active EE | $2,753 | $1,925+43.0% | $3,020-8.8% | $1,862+47.9% |
| Participant deferral / active EE | $6,156 | $3,593+71.3% | $5,135+19.9% | $2,980+106.5% |
| Admin fee / account holder | $304 | $5,039-94.0% | $12,742-97.6% | $3,703-91.8% |