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 | $45,900+285.3% | $94,057+88.0% | $64,340+174.8% |
| Participation rate | 98.5% | 50.6%+47.9pp | 73.3%+25.2pp | 55.2%+43.3pp |
| Annual return | 17.20% | 50.47%-33.3pp | 480.62%-463.4pp | 24.14%-6.9pp |
| Employer contribution / active EE | $9,051 | $1,612+461.4% | $2,933+208.6% | $1,862+386.2% |
| Participant deferral / active EE | $9,857 | $2,102+368.9% | $4,709+109.3% | $2,980+230.7% |
| Admin fee / account holder | $474 | $3,143-84.9% | $7,244-93.5% | $3,703-87.2% |