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| Provider | Service type | Compensation |
|---|---|---|
STRATEGIC ADVISORS, INC.2 years Service code 27 · EIN 04-2654524 | Advisory (Plan) | $11,075 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $6,401 |
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 | $80,561 | $106,110-24.1% | $147,005-45.2% | $77,671+3.7% |
| Participation rate | 55.5% | 78.4%-22.9pp | 82.2%-26.7pp | 70.6%-15.1pp |
| Annual return | 16.07% | 56.77%-40.7pp | 418.76%-402.7pp | 31.21%-15.1pp |
| Employer contribution / active EE | $1,000 | $4,065-75.4% | $4,934-79.7% | $2,726-63.3% |
| Participant deferral / active EE | $4,019 | $7,992-49.7% | $8,070-50.2% | $4,648-13.5% |
| Admin fee / account holder | $31 | $338-90.9% | $13,006-99.8% | $430-92.9% |