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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $1,350 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant 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.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $34,251 | $79,209-56.8% | $102,434-66.6% | $74,459-54.0% |
| Participation rate | 61.9% | 74.8%-12.8pp | 76.5%-14.6pp | 67.2%-5.3pp |
| Annual return | 13.32% | 54.98%-41.7pp | 29.46%-16.1pp | 1369.70%-1356.4pp |
| Employer contribution / active EE | $0 | $2,362-100.0% | $3,023-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $2,262 | $4,417-48.8% | $5,055-55.2% | $4,350-48.0% |
| Admin fee / account holder | $12 | $2,002-99.4% | $9,462-99.9% | $1,945-99.4% |