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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL11+ years Service code 37 · EIN 04-2647786 | Loan Processing | $42,962 |
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $15,895 |
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 | $18,497 | $45,312-59.2% | $86,233-78.6% | $67,986-72.8% |
| Participation rate | 59.9% | 42.4%+17.5pp | 69.0%-9.1pp | 57.2%+2.7pp |
| Annual return | 16.86% | 24.79%-7.9pp | 61.39%-44.5pp | 31.67%-14.8pp |
| Employer contribution / active EE | $0 | $1,160-100.0% | $2,504-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $3,997 | $2,185+83.0% | $4,559-12.3% | $3,358+19.0% |
| Admin fee / account holder | $135 | $3,295-95.9% | $8,342-98.4% | $3,203-95.8% |