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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL4 years Filed as: LPL FINANCIAL, LLC Service code 26 · EIN 04-3046611 4707 EXECUTIVE DRIVE · SAN DIEGO, CA 92121 | Advisory (Participants) | $0 |
Filed as: WILSHIRE ASSOCIATES, INC. USA Service code 26 · EIN 95-2755361 1299 OCEAN AVENUE · SANTA MONICA, CA 90401 | Advisory (Participants) | $0 |
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.)
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $40,132 | $99,957-59.9% | $149,745-73.2% | $73,497-45.4% |
| Participation rate | 66.1% | 75.7%-9.6pp | 82.5%-16.4pp | 70.7%-4.6pp |
| Annual return | 19.41% | 53.87%-34.5pp | 276.72%-257.3pp | 28.51%-9.1pp |
| Employer contribution / active EE | $499 | $3,191-84.4% | $4,646-89.3% | $2,270-78.0% |
| Participant deferral / active EE | $4,036 | $6,073-33.5% | $6,843-41.0% | $3,740+7.9% |
| Admin fee / account holder | $311 | $551-43.5% | $9,312-96.7% | $513-39.4% |