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| Provider | Service type | Compensation |
|---|---|---|
FCG INVESTMENT COMPANY2 years Service code 26 · EIN 84-5006323 | Advisory (Participants) | $17,390 |
Service code 64 · EIN 01-0233346 | Recordkeeping Fees | $14,906 |
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 | $64,683 | $65,437-1.2% | $86,698-25.4% | $66,949-3.4% |
| Participation rate | 48.6% | 75.5%-26.9pp | 76.6%-28.0pp | 69.8%-21.3pp |
| Annual return | -17.82% | -10.91%-6.9pp | 35.96%-53.8pp | 1.57%-19.4pp |
| Employer contribution / active EE | $1,461 | $2,154-32.2% | $2,837-48.5% | $2,545-42.6% |
| Participant deferral / active EE | $2,346 | $4,102-42.8% | $4,656-49.6% | $4,239-44.6% |
| Admin fee / account holder | $409 | $642-36.3% | $7,492-94.5% | $594-31.1% |