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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 59-3766965 | Advisory (Plan) | $93,020 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $69,318 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $83,668 | $122,128-31.5% | $147,117-43.1% | $200,096-58.2% |
| Participation rate | 51.3% | 78.2%-26.9pp | 82.2%-30.9pp | 72.0%-20.7pp |
| Annual return | 15.96% | 30.58%-14.6pp | 420.54%-404.6pp | 34.26%-18.3pp |
| Employer contribution / active EE | $1,508 | $4,093-63.2% | $4,932-69.4% | $3,038-50.4% |
| Participant deferral / active EE | $4,311 | $8,484-49.2% | $8,065-46.5% | $5,090-15.3% |
| Admin fee / account holder | $206 | $180+14.8% | $12,993-98.4% | $269-23.5% |