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| Provider | Service type | Compensation |
|---|---|---|
Filed as: FIDELITY INVESTMENTS INST OP, INC. Service code 64 · EIN 04-2647786 25 SUMMER STREET · BOSTON, MA 02210 | Recordkeeping Fees | $954 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $16,367 | $73,102-77.6% | $123,552-86.8% | $56,287-70.9% |
| Participation rate | 64.7% | 74.3%-9.6pp | 82.3%-17.6pp | 69.9%-5.1pp |
| Annual return | 44.32% | 3.01%+41.3pp | 119.20%-74.9pp | -9.96%+54.3pp |
| Employer contribution / active EE | $811 | $2,977-72.8% | $4,628-82.5% | $2,111-61.6% |
| Participant deferral / active EE | $3,129 | $5,423-42.3% | $6,426-51.3% | $3,350-6.6% |
| Admin fee / account holder | $47 | $554-91.5% | $9,285-99.5% | $521-91.0% |