Filed December 6, 2024
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| Provider | Service type | Compensation |
|---|---|---|
Filed as: WHEELER ASSOCIATES Service code 27 · EIN 93-2382566 | Advisory (Plan) | $12,916 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $10,699 |
STRATEGIC ADVISORS, INC.2 years Service code 27 · EIN 04-2654524 | Advisory (Plan) | $7,282 |
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 | $81,448 | $48,744+67.1% | $93,727-13.1% | $200,096-59.3% |
| Participation rate | 23.5% | 63.7%-40.1pp | 68.7%-45.2pp | 72.0%-48.5pp |
| Annual return | 13.45% | 15.36%-1.9pp | 133.83%-120.4pp | 34.26%-20.8pp |
| Employer contribution / active EE | $164 | $1,140-85.6% | $2,421-93.2% | $3,038-94.6% |
| Participant deferral / active EE | $1,066 | $2,825-62.3% | $4,417-75.9% | $5,090-79.1% |
| Admin fee / account holder | $34 | $195-82.4% | $8,292-99.6% | $269-87.2% |