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| Provider | Service type | Compensation |
|---|---|---|
CAMBRIDGE INVESTMENT RESEARCH10+ years Service code 27 · EIN 42-1445429 | Advisory (Plan) | $65,000 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $49,400 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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 | $90,850 | $89,465+1.5% | $165,100-45.0% | $77,762+16.8% |
| Participation rate | 39.1% | 78.6%-39.5pp | 78.6%-39.5pp | 70.6%-31.4pp |
| Annual return | 14.53% | 28.86%-14.3pp | 70.21%-55.7pp | 31.27%-16.7pp |
| Employer contribution / active EE | $727 | $2,565-71.6% | $4,348-83.3% | $2,728-73.3% |
| Participant deferral / active EE | $3,304 | $4,904-32.6% | $6,035-45.3% | $4,651-29.0% |
| Admin fee / account holder | $230 | $340-32.3% | $12,696-98.2% | $433-46.8% |