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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 35-2552359 | Advisory (Plan) | $34,628 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $26,777 |
Counterparties on defaulted loans (Part 1), defaulted leases (Part 2), and non-exempt prohibited transactions (Part 3). Presence of any row warrants fiduciary review.
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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).
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 | $73,043 | $82,979-12.0% | $102,412-28.7% | $77,736-6.0% |
| Participation rate | 50.4% | 71.5%-21.2pp | 74.5%-24.1pp | 70.6%-20.2pp |
| Annual return | 23.42% | 19.11%+4.3pp | 24.94%-1.5pp | 31.26%-7.8pp |
| Employer contribution / active EE | $1,512 | $3,554-57.4% | $3,870-60.9% | $2,728-44.6% |
| Participant deferral / active EE | $3,350 | $4,109-18.5% | $5,060-33.8% | $4,651-28.0% |
| Admin fee / account holder | $435 | $639-31.8% | $8,388-94.8% | $433+0.4% |