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| Provider | Service type | Compensation |
|---|---|---|
Service code 55 · EIN 38-2722519 | Other Commissions | $47,421 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $3,438 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
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 | $177,076 | $55,457+219.3% | $76,119+132.6% | $77,736+127.8% |
| Participation rate | 53.7% | 63.6%-9.9pp | 69.1%-15.4pp | 70.6%-16.9pp |
| Annual return | 9.10% | 17.09%-8.0pp | 361.25%-352.1pp | 31.26%-22.2pp |
| Employer contribution / active EE | $4,249 | $1,792+137.1% | $2,693+57.8% | $2,728+55.8% |
| Participant deferral / active EE | $4,384 | $3,454+26.9% | $4,259+2.9% | $4,651-5.7% |
| Admin fee / account holder | $22 | $411-94.6% | $6,421-99.7% | $433-94.9% |