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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL11+ years Service code 37 · EIN 04-2647786 | Loan Processing | $26,983 |
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $22,563 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $75,025 | $56,047+33.9% | $98,716-24.0% | $79,634-5.8% |
| Participation rate | 41.5% | 54.6%-13.1pp | 69.3%-27.8pp | 62.5%-21.0pp |
| Annual return | 14.21% | 17.58%-3.4pp | 31.81%-17.6pp | 36.46%-22.2pp |
| Employer contribution / active EE | $346 | $1,237-72.1% | $2,279-84.8% | $2,529-86.3% |
| Participant deferral / active EE | $2,480 | $2,469+0.4% | $4,048-38.7% | $3,835-35.3% |
| Admin fee / account holder | $318 | $1,512-79.0% | $8,703-96.4% | $1,002-68.3% |