Filed October 2, 2019
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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $36,536 |
Filed as: ROCATON INVESTMENT ADVISORS LLC Service code 27 · EIN 04-3638035 | Advisory (Plan) | $33,000 |
COULTER & JUSTUS5 years Filed as: COULTER JUSTUS PC Service code 10 · EIN 62-1532536 | Accounting | $12,000 |
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 | $58,358 | $79,223-26.3% | $102,460-43.0% | $74,478-21.6% |
| Participation rate | 88.2% | 74.8%+13.4pp | 76.5%+11.6pp | 67.2%+20.9pp |
| Annual return | 20.15% | 54.98%-34.8pp | 29.47%-9.3pp | 1370.56%-1350.4pp |
| Employer contribution / active EE | $3,445 | $2,363+45.8% | $3,025+13.9% | $2,626+31.2% |
| Participant deferral / active EE | $8,471 | $4,417+91.8% | $5,056+67.5% | $4,350+94.7% |
| Admin fee / account holder | $305 | $2,003-84.8% | $9,460-96.8% | $1,946-84.3% |