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| Provider | Service type | Compensation |
|---|---|---|
JP MORGAN SECURITIES LLC2 years Service code 27 · EIN 13-4110995 | Advisory (Plan) | $35,974 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $35,471 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $139,228 | $106,749+30.4% | $145,433-4.3% | $82,448+68.9% |
| Participation rate | 95.5% | 75.6%+19.8pp | 82.1%+13.3pp | 68.1%+27.4pp |
| Annual return | 21.76% | 27.59%-5.8pp | 66.58%-44.8pp | 41.64%-19.9pp |
| Employer contribution / active EE | $2,924 | $3,444-15.1% | $4,554-35.8% | $2,551+14.6% |
| Participant deferral / active EE | $11,340 | $6,519+74.0% | $7,897+43.6% | $4,139+174.0% |
| Admin fee / account holder | $477 | $8,390-94.3% | $13,129-96.4% | $7,234-93.4% |