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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $43,764 |
LEGACY 401K PARTNERS LLC6 years Service code 27 · EIN 46-3938291 | Advisory (Plan) | $34,071 |
WHITLEY PENN LLP5 years Filed as: WHITLEY PENN Service code 10 · EIN 75-2393478 | Accounting | $17,860 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $48,971 | $89,093-45.0% | $102,434-52.2% | $77,736-37.0% |
| Participation rate | 46.5% | 80.9%-34.4pp | 76.5%-30.0pp | 70.6%-24.1pp |
| Annual return | 14.01% | 25.03%-11.0pp | 29.46%-15.5pp | 31.26%-17.3pp |
| Employer contribution / active EE | $848 | $2,699-68.6% | $3,023-71.9% | $2,728-68.9% |
| Participant deferral / active EE | $2,356 | $5,147-54.2% | $5,055-53.4% | $4,651-49.3% |
| Admin fee / account holder | $343 | $236+45.4% | $9,462-96.4% | $433-20.8% |