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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $32,814 |
Filed as: GALLAGHER FIDUCIARY ADVISORS LLC Service code 27 · EIN 36-4291971 | Advisory (Plan) | $24,000 |
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 | $59,546 | $66,486-10.4% | $81,370-26.8% | $77,762-23.4% |
| Participation rate | 78.5% | 68.7%+9.8pp | 69.5%+8.9pp | 70.6%+7.9pp |
| Annual return | 11.91% | 15.95%-4.0pp | 24.85%-12.9pp | 31.27%-19.4pp |
| Employer contribution / active EE | $850 | $2,158-60.6% | $2,464-65.5% | $2,728-68.8% |
| Participant deferral / active EE | $3,540 | $3,677-3.7% | $3,885-8.9% | $4,651-23.9% |
| Admin fee / account holder | $213 | $586-63.7% | $5,749-96.3% | $433-50.9% |