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| Provider | Service type | Compensation |
|---|---|---|
Filed as: RAYMOND JAMES & ASSOCIATES INC Service code 27 · EIN 59-1237041 | Advisory (Plan) | $26,311 |
FIDELITY INVESTMENTS INSTITUTIONAL11+ years Service code 37 · EIN 04-2647786 | Loan Processing | $9,721 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $143,052 | $55,932+155.8% | $76,735+86.4% | $67,986+110.4% |
| Participation rate | 51.2% | 50.8%+0.5pp | 69.5%-18.2pp | 57.2%-6.0pp |
| Annual return | 15.67% | 23.10%-7.4pp | 29.77%-14.1pp | 31.67%-16.0pp |
| Employer contribution / active EE | $0 | $1,487-100.0% | $2,454-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $4,105 | $2,558+60.5% | $4,088+0.4% | $3,358+22.2% |
| Admin fee / account holder | $364 | $4,907-92.6% | $7,189-94.9% | $3,203-88.6% |