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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $29,908 |
Service code 27 · EIN 35-2552359 | Advisory (Plan) | $17,000 |
STRATEGIC ADVISORS, INC.7 years Service code 27 · EIN 04-2654524 | Advisory (Plan) | $7,806 |
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.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $186,548 | $79,223+135.5% | $102,460+82.1% | $74,478+150.5% |
| Participation rate | 52.8% | 74.8%-21.9pp | 76.5%-23.7pp | 67.2%-14.4pp |
| Annual return | 13.24% | 54.98%-41.7pp | 29.47%-16.2pp | 1370.56%-1357.3pp |
| Employer contribution / active EE | $2,556 | $2,363+8.2% | $3,025-15.5% | $2,626-2.7% |
| Participant deferral / active EE | $4,462 | $4,417+1.0% | $5,056-11.8% | $4,350+2.6% |
| Admin fee / account holder | $338 | $2,003-83.1% | $9,460-96.4% | $1,946-82.6% |