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| Provider | Service type | Compensation |
|---|---|---|
Service code 27 · EIN 35-2552359 | Advisory (Plan) | $55,201 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $25,537 |
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.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $83,964 | $89,067-5.7% | $102,423-18.0% | $77,714+8.0% |
| Participation rate | 63.5% | 80.9%-17.4pp | 76.5%-13.0pp | 70.6%-7.1pp |
| Annual return | 16.65% | 25.01%-8.4pp | 29.42%-12.8pp | 31.26%-14.6pp |
| Employer contribution / active EE | $435 | $2,699-83.9% | $3,023-85.6% | $2,727-84.0% |
| Participant deferral / active EE | $5,099 | $5,147-0.9% | $5,054+0.9% | $4,649+9.7% |
| Admin fee / account holder | $286 | $236+21.4% | $9,455-97.0% | $433-33.9% |