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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 82-1364595 | Advisory (Plan) | $65,750 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $29,338 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $126,979 | $24,891+410.1% | $69,632+82.4% | $74,478+70.5% |
| Participation rate | 98.3% | 63.4%+34.9pp | 66.4%+31.9pp | 67.2%+31.1pp |
| Annual return | 12.74% | 18.53%-5.8pp | 101.32%-88.6pp | 1370.56%-1357.8pp |
| Employer contribution / active EE | $9,839 | $1,005+878.8% | $1,708+475.9% | $2,626+274.6% |
| Participant deferral / active EE | $9,714 | $1,908+409.1% | $2,889+236.2% | $4,350+123.3% |
| Admin fee / account holder | $317 | $1,904-83.4% | $4,695-93.2% | $1,946-83.7% |