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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL2 years Service code 15 · EIN 04-3046611 | Recordkeeping | $18,414 |
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $2,762 |
ADP BROKER-DEALER2 years 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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $59,121 | $93,182-36.6% | $146,647-59.7% | $79,389-25.5% |
| Participation rate | 47.7% | 76.4%-28.7pp | 80.1%-32.3pp | 70.7%-23.0pp |
| Annual return | 13.65% | 21.61%-8.0pp | 22.75%-9.1pp | 116.89%-103.2pp |
| Employer contribution / active EE | $425 | $2,420-82.4% | $4,137-89.7% | $2,428-82.5% |
| Participant deferral / active EE | $2,858 | $4,169-31.4% | $5,506-48.1% | $4,046-29.3% |
| Admin fee / account holder | $298 | $585-49.0% | $10,281-97.1% | $626-52.4% |