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| Provider | Service type | Compensation |
|---|---|---|
EQUITABLE ADVISORS LLC5 years Service code 27 · EIN 13-4078005 | Advisory (Plan) | $67,696 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 64 · EIN 04-2647786 | Recordkeeping Fees | $48,926 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $108,952 | $89,123+22.2% | $102,460+6.3% | $77,762+40.1% |
| Participation rate | 67.2% | 80.9%-13.7pp | 76.5%-9.3pp | 70.6%-3.4pp |
| Annual return | 20.02% | 25.05%-5.0pp | 29.47%-9.4pp | 31.27%-11.2pp |
| Employer contribution / active EE | $2,536 | $2,700-6.1% | $3,025-16.2% | $2,728-7.0% |
| Participant deferral / active EE | $6,006 | $5,148+16.7% | $5,056+18.8% | $4,651+29.1% |
| Admin fee / account holder | $384 | $236+62.6% | $9,460-95.9% | $433-11.4% |