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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $8,910 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $54,527 | $89,123-38.8% | $102,460-46.8% | $77,762-29.9% |
| Participation rate | 88.5% | 80.9%+7.6pp | 76.5%+12.0pp | 70.6%+17.9pp |
| Annual return | 12.53% | 25.05%-12.5pp | 29.47%-16.9pp | 31.27%-18.7pp |
| Employer contribution / active EE | $0 | $2,700-100.0% | $3,025-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $4,886 | $5,148-5.1% | $5,056-3.4% | $4,651+5.1% |
| Admin fee / account holder | $19 | $236-92.0% | $9,460-99.8% | $433-95.7% |