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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL11+ years Service code 37 · EIN 04-2647786 | Loan Processing | $42,276 |
CREATIVE PLANNING LLC1 year Service code 27 · EIN 84-4519624 | Advisory (Plan) | $30,163 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $48,330 | $36,943+30.8% | $52,425-7.8% | $103,975-53.5% |
| Participation rate | 10.8% | 27.5%-16.8pp | 55.6%-44.8pp | 72.5%-61.8pp |
| Annual return | 16.58% | 17.59%-1.0pp | 302.12%-285.5pp | 19.41%-2.8pp |
| Employer contribution / active EE | $0 | $884-100.0% | $914-100.0% | $3,722-100.0% |
| Participant deferral / active EE | $445 | $1,347-66.9% | $1,790-75.1% | $5,343-91.7% |
| Admin fee / account holder | $335 | $508-34.0% | $2,495-86.6% | $332+0.9% |