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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $75,000 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $27,483 |
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 | $169,798 | $80,763+110.2% | $102,412+65.8% | $74,459+128.0% |
| Participation rate | 95.0% | 65.7%+29.4pp | 74.5%+20.5pp | 67.2%+27.8pp |
| Annual return | 15.71% | 27.57%-11.9pp | 24.94%-9.2pp | 1369.70%-1354.0pp |
| Employer contribution / active EE | $5,937 | $3,160+87.9% | $3,870+53.4% | $2,626+126.1% |
| Participant deferral / active EE | $10,837 | $3,862+180.6% | $5,060+114.2% | $4,350+149.1% |
| Admin fee / account holder | $373 | $2,371-84.3% | $8,388-95.6% | $1,945-80.8% |