| Provider | Service type | Compensation |
|---|---|---|
MERCER5 years Filed as: MERCER INVESTMENTS LLC Service code 28 · EIN 13-2834414 | Investment Management | $227,560 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $91,138 |
STRATEGIC ADVISORS, INC.10+ years Service code 27 · EIN 04-2654524 | Advisory (Plan) | $59,183 |
MOSS ADAMS LLP9 years Service code 10 · EIN 91-0189318 | Accounting | $24,000 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $243,352 | $106,264+129.0% | $147,117+65.4% | $77,762+212.9% |
| Participation rate | 95.8% | 78.4%+17.4pp | 82.2%+13.6pp | 70.6%+25.2pp |
| Annual return | 15.76% | 56.94%-41.2pp | 420.54%-404.8pp | 31.27%-15.5pp |
| Employer contribution / active EE | $2,276 | $4,074-44.1% | $4,932-53.8% | $2,728-16.6% |
| Participant deferral / active EE | $13,268 | $8,003+65.8% | $8,065+64.5% | $4,651+185.3% |
| Admin fee / account holder | $369 | $334+10.3% | $12,993-97.2% | $433-14.8% |