| Provider | Service type | Compensation |
|---|---|---|
Filed as: FIDELITY INV. INST. OPS. CO. INC. Service code 12 · EIN 04-2647786 | Participant communication; Trustee (d... | $1,197,706 |
COMMERCE BANK1+ years Filed as: THE COMMERCE TRUST COMPANY Service code 19 · EIN 48-0962626 | Securities Custodian | $1,088,113 |
Filed as: FIDELITY INST. INV. OPS. CO. INC. Service code 15 | Recordkeeping | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $38,496 | $69,651-44.7% | $155,789-75.3% | $69,651-44.7% |
| Participation rate | 65.9% | 66.6%-0.7pp | 76.1%-10.2pp | 66.6%-0.7pp |
| Annual return | -0.77% | 53.77%-54.5pp | 71.54%-72.3pp | 53.77%-54.5pp |
| Employer contribution / active EE | $1,829 | $2,241-18.4% | $3,839-52.4% | $2,241-18.4% |
| Participant deferral / active EE | $1,831 | $3,635-49.6% | $4,798-61.8% | $3,635-49.6% |
| Admin fee / account holder | $36 | $63-43.7% | $7,477-99.5% | $63-43.7% |