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| Provider | Service type | Compensation |
|---|---|---|
COMMONWEALTH FINANCIAL NETWORK10+ years Service code 27 · EIN 04-2675571 | Advisory (Plan) | $23,953 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 60 · EIN 04-2647786 | Sub-TA Fees | $23,331 |
Filed as: SCHNEIDER DOWNS LLC Service code 10 · EIN 25-1408703 | Accounting | $9,500 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
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 | $48,826 | $55,402-11.9% | $76,089-35.8% | $77,714-37.2% |
| Participation rate | 18.9% | 63.6%-44.7pp | 69.1%-50.2pp | 70.6%-51.7pp |
| Annual return | 39.35% | 17.09%+22.3pp | 360.94%-321.6pp | 31.26%+8.1pp |
| Employer contribution / active EE | $545 | $1,789-69.5% | $2,690-79.7% | $2,727-80.0% |
| Participant deferral / active EE | $1,007 | $3,450-70.8% | $4,259-76.4% | $4,649-78.3% |
| Admin fee / account holder | $233 | $410-43.3% | $6,418-96.4% | $433-46.3% |