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| Provider | Service type | Compensation |
|---|---|---|
STRATEGIC ADVISORS, INC.10+ years Service code 27 · EIN 04-2654524 | Advisory (Plan) | $93,895 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | -$24,040 |
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.
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 | $106,837 | $122,128-12.5% | $147,117-27.4% | $200,096-46.6% |
| Participation rate | 67.0% | 78.2%-11.2pp | 82.2%-15.2pp | 72.0%-5.0pp |
| Annual return | 21.22% | 30.58%-9.4pp | 420.54%-399.3pp | 34.26%-13.0pp |
| Employer contribution / active EE | -$0 | $4,093-100.0% | $4,932-100.0% | $3,038-100.0% |
| Participant deferral / active EE | $10,367 | $8,484+22.2% | $8,065+28.5% | $5,090+103.7% |
| Admin fee / account holder | $28 | $180-84.4% | $12,993-99.8% | $269-89.6% |