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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 59-2937883 | Advisory (Plan) | $32,287 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $21,870 |
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 | $42,862 | $45,126-5.0% | $85,187-49.7% | $74,459-42.4% |
| Participation rate | 47.1% | 49.4%-2.2pp | 67.5%-20.4pp | 67.2%-20.1pp |
| Annual return | 13.12% | 26.30%-13.2pp | 66.67%-53.5pp | 1369.70%-1356.6pp |
| Employer contribution / active EE | $3,728 | $1,460+155.3% | $2,732+36.4% | $2,626+42.0% |
| Participant deferral / active EE | $1,703 | $2,738-37.8% | $4,525-62.4% | $4,350-60.8% |
| Admin fee / account holder | $376 | $2,212-83.0% | $6,162-93.9% | $1,945-80.7% |