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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $4,553 |
Filed as: FIDELITY INVESTMENT INSTITUTIONAL Service code 60 | Sub-TA Fees | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $57,834 | $65,378-11.5% | $87,103-33.6% | $65,186-11.3% |
| Participation rate | 63.1% | 75.3%-12.3pp | 76.9%-13.8pp | 70.2%-7.1pp |
| Annual return | 1.41% | 31.28%-29.9pp | 28.19%-26.8pp | 29.39%-28.0pp |
| Employer contribution / active EE | $336 | $1,823-81.5% | $2,521-86.7% | $2,177-84.5% |
| Participant deferral / active EE | $2,522 | $3,389-25.6% | $4,049-37.7% | $3,514-28.2% |
| Admin fee / account holder | $75 | $520-85.6% | $7,491-99.0% | $847-91.2% |