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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $33,855 |
Service code 27 · EIN 54-2111721 | Advisory (Plan) | $18,059 |
STRATEGIC ADVISORS, INC.1 year Service code 27 · EIN 04-2654524 | Advisory (Plan) | $6,178 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $52,396 | $50,919+2.9% | $155,556-66.3% | $77,762-32.6% |
| Participation rate | 44.0% | 63.1%-19.1pp | 78.2%-34.2pp | 70.6%-26.6pp |
| Annual return | 12.77% | 34.84%-22.1pp | 64.84%-52.1pp | 31.27%-18.5pp |
| Employer contribution / active EE | $722 | $1,991-63.8% | $4,675-84.6% | $2,728-73.5% |
| Participant deferral / active EE | $2,698 | $2,824-4.5% | $5,631-52.1% | $4,651-42.0% |
| Admin fee / account holder | $361 | $437-17.4% | $15,885-97.7% | $433-16.6% |