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| Provider | Service type | Compensation |
|---|---|---|
FCG INVESTMENT COMPANY1 year Service code 26 · EIN 84-5006323 | Advisory (Participants) | $22,104 |
Service code 64 · EIN 01-0233346 | Recordkeeping Fees | $18,946 |
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 | $74,808 | $84,936-11.9% | $111,308-32.8% | $79,391-5.8% |
| Participation rate | 60.4% | 75.9%-15.5pp | 77.3%-16.9pp | 70.7%-10.3pp |
| Annual return | 13.27% | 17.45%-4.2pp | 54.67%-41.4pp | 116.88%-103.6pp |
| Employer contribution / active EE | $1,791 | $1,979-9.5% | $2,732-34.4% | $2,428-26.2% |
| Participant deferral / active EE | $2,730 | $3,888-29.8% | $4,487-39.2% | $4,046-32.5% |
| Admin fee / account holder | $533 | $537-0.8% | $7,965-93.3% | $627-14.9% |