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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $375 |
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 | $40,504 | $102,429-60.5% | $147,096-72.5% | $80,925-49.9% |
| Participation rate | 54.3% | 75.9%-21.6pp | 82.2%-27.9pp | 67.7%-13.4pp |
| Annual return | 19.42% | 135.02%-115.6pp | 419.75%-400.3pp | 35.65%-16.2pp |
| Employer contribution / active EE | $0 | $3,716-100.0% | $4,936-100.0% | $2,756-100.0% |
| Participant deferral / active EE | $6,384 | $6,649-4.0% | $8,071-20.9% | $4,299+48.5% |
| Admin fee / account holder | $4 | $7,957-99.9% | $13,005-100.0% | $6,940-99.9% |