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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $208,928 |
Service code 27 · EIN 43-1451524 | Advisory (Plan) | $45,100 |
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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $29,047 | $2,687,218-98.9% | $165,071-82.4% | $199,960-85.5% |
| Participation rate | 64.6% | 78.3%-13.6pp | 78.6%-14.0pp | 72.0%-7.4pp |
| Annual return | 14.65% | 17.94%-3.3pp | 70.17%-55.5pp | 34.28%-19.6pp |
| Employer contribution / active EE | $754 | $2,958-74.5% | $4,347-82.7% | $3,036-75.2% |
| Participant deferral / active EE | $2,648 | $5,002-47.1% | $6,035-56.1% | $5,087-47.9% |
| Admin fee / account holder | $106 | $1,988-94.7% | $12,695-99.2% | $269-60.7% |