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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $26,518 |
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $21,754 |
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.)
Annual investment return 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 | $75,140 | $54,245+38.5% | $93,727-19.8% | $77,762-3.4% |
| Participation rate | 42.5% | 63.9%-21.4pp | 68.7%-26.2pp | 70.6%-28.1pp |
| Annual return | 10.43% | 30.58%-20.1pp | 133.83%-123.4pp | 31.27%-20.8pp |
| Employer contribution / active EE | $345 | $1,168-70.4% | $2,421-85.7% | $2,728-87.3% |
| Participant deferral / active EE | $2,408 | $3,144-23.4% | $4,417-45.5% | $4,651-48.2% |
| Admin fee / account holder | $313 | $575-45.5% | $8,292-96.2% | $433-27.6% |