Filed March 6, 2026
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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $278,478 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported that benefits due were not provided when due.
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 | $23,342 | $96,188-75.7% | $76,030-69.3% | $99,313-76.5% |
| Participation rate | 69.6% | 72.7%-3.1pp | 69.1%+0.5pp | 71.7%-2.1pp |
| Annual return | 21.11% | 16.48%+4.6pp | 361.54%-340.4pp | 17.67%+3.4pp |
| Employer contribution / active EE | $138 | $3,167-95.6% | $2,688-94.9% | $3,264-95.8% |
| Participant deferral / active EE | $2,601 | $4,842-46.3% | $4,257-38.9% | $5,346-51.4% |
| Admin fee / account holder | $65 | $87-25.5% | $6,421-99.0% | $109-40.4% |