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| Provider | Service type | Compensation |
|---|---|---|
Filed as: IFP ADVISORS LLC Service code 27 · EIN 59-3331424 | Advisory (Plan) | $40,000 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $30,318 |
Filed as: OSTROW REISIN BERK & ABRAMS, LTD Service code 10 · EIN 36-2938874 | Accounting | $20,000 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
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.
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 | $78,438 | $79,867-1.8% | $120,344-34.8% | $64,340+21.9% |
| Participation rate | 71.9% | 63.0%+8.9pp | 76.7%-4.9pp | 55.2%+16.6pp |
| Annual return | 9.88% | 21.10%-11.2pp | 20.30%-10.4pp | 24.14%-14.3pp |
| Employer contribution / active EE | $0 | $1,925-100.0% | $3,020-100.0% | $1,862-100.0% |
| Participant deferral / active EE | $3,262 | $3,593-9.2% | $5,135-36.5% | $2,980+9.4% |
| Admin fee / account holder | $351 | $5,039-93.0% | $12,742-97.2% | $3,703-90.5% |