Filed November 23, 2015 (most recent of 2 filings on file)
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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 60 · EIN 04-2647786 | Sub-TA Fees | -$149,762 |
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.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Plan reported corrective distributions (failed ADP/ACP testing).
The auditor signed off without reservation. This is the cleanest opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $139,022 | $108,549+28.1% | $156,263-11.0% | $85,563+62.5% |
| Participation rate | 66.8% | 77.1%-10.3pp | 78.9%-12.1pp | 66.0%+0.9pp |
| Annual return | 11.89% | 21.79%-9.9pp | 59.47%-47.6pp | 31.51%-19.6pp |
| Employer contribution / active EE | $704 | $2,690-73.8% | $4,333-83.7% | $2,654-73.5% |
| Participant deferral / active EE | $4,086 | $4,800-14.9% | $6,158-33.6% | $4,375-6.6% |
| Admin fee / account holder | -$105 | $650-116.1% | $14,255-100.7% | $834-112.6% |