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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 | $87,465-10.3% | $122,979-36.2% | $65,306+20.1% |
| Participation rate | 71.9% | 66.0%+5.8pp | 77.2%-5.3pp | 57.7%+14.2pp |
| Annual return | 9.88% | 19.76%-9.9pp | 20.12%-10.2pp | 21.94%-12.1pp |
| Employer contribution / active EE | $0 | $2,156-100.0% | $3,062-100.0% | $1,967-100.0% |
| Participant deferral / active EE | $3,262 | $3,705-12.0% | $5,003-34.8% | $2,959+10.2% |
| Admin fee / account holder | $351 | $5,100-93.1% | $12,864-97.3% | $3,480-89.9% |