| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $36,963 |
UBS FINANCIAL SERVICES INC6 years Service code 27 · EIN 13-2638166 | Advisory (Plan) | $35,351 |
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $95,077 | $122,063-22.1% | $184,256-48.4% | $74,478+27.7% |
| Participation rate | 87.7% | 85.5%+2.2pp | 86.8%+0.8pp | 67.2%+20.4pp |
| Annual return | 13.49% | 19.92%-6.4pp | 28.85%-15.4pp | 1370.56%-1357.1pp |
| Employer contribution / active EE | $0 | $4,539-100.0% | $6,427-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $10,772 | $7,144+50.8% | $9,133+17.9% | $4,350+147.6% |
| Admin fee / account holder | $411 | $1,253-67.2% | $13,899-97.0% | $1,946-78.9% |