Filed February 16, 2018
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| Provider | Service type | Compensation |
|---|---|---|
IMA WEALTH INC2 years Filed as: IMA ADVISORY SERVICES INC Service code 27 · EIN 48-1233289 | Advisory (Plan) | $64,808 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $29,590 |
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 | $176,837 | $47,105+275.4% | $68,368+158.7% | $67,986+160.1% |
| Participation rate | 98.5% | 51.8%+46.7pp | 73.8%+24.8pp | 57.2%+41.3pp |
| Annual return | 17.20% | 48.37%-31.2pp | 292.57%-275.4pp | 31.67%-14.5pp |
| Employer contribution / active EE | $9,051 | $1,859+386.9% | $2,649+241.7% | $2,019+348.3% |
| Participant deferral / active EE | $9,857 | $2,374+315.2% | $4,123+139.1% | $3,358+193.5% |
| Admin fee / account holder | $474 | $2,435-80.5% | $5,150-90.8% | $3,203-85.2% |