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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL1 year Service code 15 · EIN 04-3046611 | Recordkeeping | $14,671 |
ADP BROKER-DEALER1 year Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $1,325 |
ADP BROKER-DEALER1 year Service code 49 · EIN 22-3319984 | Other Services | $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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $55,337 | $81,494-32.1% | $133,978-58.7% | $73,497-24.7% |
| Participation rate | 48.7% | 76.4%-27.7pp | 79.8%-31.2pp | 70.7%-22.0pp |
| Annual return | 13.28% | 19.40%-6.1pp | 45.10%-31.8pp | 28.51%-15.2pp |
| Employer contribution / active EE | $347 | $2,210-84.3% | $3,919-91.2% | $2,270-84.7% |
| Participant deferral / active EE | $2,235 | $3,787-41.0% | $5,047-55.7% | $3,740-40.2% |
| Admin fee / account holder | $250 | $713-65.0% | $8,930-97.2% | $513-51.3% |