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| Provider | Service type | Compensation |
|---|---|---|
Filed as: FIDELITY INVESTMENTS Service code 37 · EIN 04-2647786 | Loan Processing | $2,608 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,484 | $43,423-9.1% | $78,676-49.8% | $55,167-28.4% |
| Participation rate | 53.4% | 68.0%-14.6pp | 73.6%-20.2pp | 69.0%-15.6pp |
| Annual return | 11.00% | 11.53%-0.5pp | 62.19%-51.2pp | 169.23%-158.2pp |
| Employer contribution / active EE | $800 | $1,997-59.9% | $2,850-71.9% | $1,963-59.3% |
| Participant deferral / active EE | $2,259 | $2,509-10.0% | $3,517-35.8% | $3,054-26.0% |
| Admin fee / account holder | $25 | $416-94.0% | $4,510-99.4% | $504-95.0% |