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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $8,960 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Annual investment return is in the bottom quintile of the peer cohort.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $60,154 | $29,546+103.6% | $56,441+6.6% | $77,671-22.6% |
| Participation rate | 10.7% | 32.7%-22.0pp | 52.5%-41.8pp | 70.6%-59.9pp |
| Annual return | 10.81% | 19.01%-8.2pp | 1704.21%-1693.4pp | 31.21%-20.4pp |
| Employer contribution / active EE | $71 | $568-87.6% | $1,039-93.2% | $2,726-97.4% |
| Participant deferral / active EE | $417 | $1,061-60.7% | $1,953-78.7% | $4,648-91.0% |
| Admin fee / account holder | $79 | $1,046-92.4% | $2,829-97.2% | $430-81.6% |