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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL11+ years Service code 37 · EIN 04-2647786 | Loan Processing | $24,739 |
Filed as: ALLIANT RETIREMENT SERVICES Service code 27 · EIN 33-0785439 | Advisory (Plan) | $24,344 |
STRATEGIC ADVISORS, INC.6 years Service code 27 · EIN 04-2654524 | Advisory (Plan) | $5,981 |
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 | $87,878 | $106,749-17.7% | $145,433-39.6% | $82,448+6.6% |
| Participation rate | 89.4% | 75.6%+13.7pp | 82.1%+7.2pp | 68.1%+21.3pp |
| Annual return | 15.71% | 27.59%-11.9pp | 66.58%-50.9pp | 41.64%-25.9pp |
| Employer contribution / active EE | $1,442 | $3,444-58.1% | $4,554-68.3% | $2,551-43.5% |
| Participant deferral / active EE | $7,355 | $6,519+12.8% | $7,897-6.9% | $4,139+77.7% |
| Admin fee / account holder | $475 | $8,390-94.3% | $13,129-96.4% | $7,234-93.4% |