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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL2+ years Filed as: CLEARPOINT FINANCIAL Service code 27 215 COMMERCIAL STREET · PORTLAND, ME 04101 | Advisory (Plan) | $23,493 |
SENTINEL PENSION ADVISORS1+ years Filed as: SENTINEL BENEFITS GROUP, LLC Service code 15 · EIN 20-5916766 | Recordkeeping | $12,658 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $93,842 | $76,551+22.6% | $123,894-24.3% | $62,881+49.2% |
| Participation rate | 88.7% | 73.0%+15.8pp | 81.4%+7.3pp | 69.3%+19.4pp |
| Annual return | 5.33% | 18.68%-13.3pp | 47.52%-42.2pp | 20.14%-14.8pp |
| Employer contribution / active EE | $1,298 | $2,882-55.0% | $4,617-71.9% | $2,281-43.1% |
| Participant deferral / active EE | $4,222 | $4,840-12.8% | $5,984-29.5% | $3,203+31.8% |
| Admin fee / account holder | $373 | $4,826-92.3% | $8,357-95.5% | $4,296-91.3% |