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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $138,650 |
CREATIVE PLANNING LLC2 years Service code 27 · EIN 84-4519624 | Advisory (Plan) | $51,230 |
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.
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 | $55,382 | $62,541-11.4% | $129,384-57.2% | $199,960-72.3% |
| Participation rate | 21.4% | 56.8%-35.4pp | 69.6%-48.3pp | 72.0%-50.6pp |
| Annual return | 13.23% | 16.95%-3.7pp | 9461.77%-9448.5pp | 34.28%-21.1pp |
| Employer contribution / active EE | $103 | $2,392-95.7% | $4,153-97.5% | $3,036-96.6% |
| Participant deferral / active EE | $1,079 | $3,123-65.4% | $4,166-74.1% | $5,087-78.8% |
| Admin fee / account holder | $149 | $167-10.9% | $7,686-98.1% | $269-44.8% |