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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 | $122,219-31.5% | $147,096-43.1% | $199,921-58.1% |
| Participation rate | 51.3% | 78.3%-27.0pp | 82.2%-30.9pp | 72.0%-20.7pp |
| Annual return | 15.96% | 30.59%-14.6pp | 419.75%-403.8pp | 34.28%-18.3pp |
| Employer contribution / active EE | $1,508 | $4,096-63.2% | $4,936-69.5% | $3,035-50.3% |
| Participant deferral / active EE | $4,311 | $8,503-49.3% | $8,071-46.6% | $5,089-15.3% |
| Admin fee / account holder | $206 | $179+15.1% | $13,005-98.4% | $269-23.4% |