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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $30,875 |
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $106,235 | $122,239-13.1% | $184,200-42.3% | $74,546+42.5% |
| Participation rate | 66.3% | 85.5%-19.2pp | 86.8%-20.5pp | 67.2%-0.9pp |
| Annual return | 14.76% | 19.95%-5.2pp | 28.80%-14.0pp | 1366.03%-1351.3pp |
| Employer contribution / active EE | $0 | $4,537-100.0% | $6,424-100.0% | $2,624-100.0% |
| Participant deferral / active EE | $6,494 | $7,139-9.0% | $9,132-28.9% | $4,347+49.4% |
| Admin fee / account holder | $175 | $1,260-86.1% | $13,907-98.7% | $1,944-91.0% |