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| Provider | Service type | Compensation |
|---|---|---|
Filed as: FIDELITY INVESTMENTS Service code 37 · EIN 04-2647786 | Loan Processing | $9,444 |
NPPG2 years Service code 10 · EIN 22-3349752 | Accounting | $1,464 |
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.
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 | $38,537 | $84,487-54.4% | $125,358-69.3% | $66,923-42.4% |
| Participation rate | 68.1% | 76.4%-8.4pp | 82.4%-14.3pp | 69.8%-1.8pp |
| Annual return | -15.40% | -8.39%-7.0pp | 572.03%-587.4pp | 1.58%-17.0pp |
| Employer contribution / active EE | $316 | $3,553-91.1% | $4,814-93.4% | $2,545-87.6% |
| Participant deferral / active EE | $3,493 | $6,781-48.5% | $7,447-53.1% | $4,237-17.6% |
| Admin fee / account holder | $83 | $685-87.8% | $10,007-99.2% | $593-86.0% |