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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $24,910 |
PBMARES, LLP1 year Service code 10 · EIN 54-0737372 | Accounting | $10,421 |
STRATEGIC ADVISORS, INC.3 years Service code 27 · EIN 04-2654524 | Advisory (Plan) | $9,845 |
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 | $220,417 | $101,653+116.8% | $147,080+49.9% | $74,459+196.0% |
| Participation rate | 67.3% | 75.6%-8.2pp | 82.2%-14.9pp | 67.2%+0.1pp |
| Annual return | 19.47% | 8754.98%-8735.5pp | 420.17%-400.7pp | 1369.70%-1350.2pp |
| Employer contribution / active EE | $0 | $3,813-100.0% | $4,933-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $8,171 | $7,304+11.9% | $8,066+1.3% | $4,350+87.8% |
| Admin fee / account holder | $170 | $1,752-90.3% | $12,989-98.7% | $1,945-91.2% |