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| Provider | Service type | Compensation |
|---|---|---|
FIDELITY INVESTMENTS INSTITUTIONAL11+ years Service code 37 · EIN 04-2647786 | Loan Processing | $49,593 |
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.
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 | $178,165 | $91,760+94.2% | $156,181+14.1% | $67,986+162.1% |
| Participation rate | 68.5% | 65.0%+3.5pp | 78.8%-10.4pp | 57.2%+11.3pp |
| Annual return | 14.10% | 18.14%-4.0pp | 64.87%-50.8pp | 31.67%-17.6pp |
| Employer contribution / active EE | $0 | $2,419-100.0% | $4,294-100.0% | $2,019-100.0% |
| Participant deferral / active EE | $7,836 | $3,960+97.9% | $6,132+27.8% | $3,358+133.4% |
| Admin fee / account holder | $603 | $3,949-84.7% | $14,586-95.9% | $3,203-81.2% |