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| Provider | Service type | Compensation |
|---|---|---|
HENRY & PETERS, PC10+ years Service code 10 · EIN 75-1503978 | Accounting | $11,500 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $10,628 |
Participant contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
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 | $106,381 | $122,063-12.8% | $184,256-42.3% | $74,478+42.8% |
| Participation rate | 92.5% | 85.5%+7.0pp | 86.8%+5.6pp | 67.2%+25.2pp |
| Annual return | 9.36% | 19.92%-10.6pp | 28.85%-19.5pp | 1370.56%-1361.2pp |
| Employer contribution / active EE | $2,763 | $4,539-39.1% | $6,427-57.0% | $2,626+5.2% |
| Participant deferral / active EE | $3,851 | $7,144-46.1% | $9,133-57.8% | $4,350-11.5% |
| Admin fee / account holder | $219 | $1,253-82.6% | $13,899-98.4% | $1,946-88.8% |