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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL1 year Service code 15 · EIN 04-3046611 | Recordkeeping | $11,173 |
ADP BROKER-DEALER2 years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $475 |
ADP BROKER-DEALER2 years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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).
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 | $22,202 | $80,753-72.5% | $136,298-83.7% | $62,293-64.4% |
| Participation rate | 90.5% | 73.5%+17.0pp | 81.9%+8.6pp | 69.5%+21.0pp |
| Annual return | 29.00% | 35.83%-6.8pp | 5156.27%-5127.3pp | 28.90%+0.1pp |
| Employer contribution / active EE | $748 | $2,884-74.1% | $4,696-84.1% | $2,042-63.4% |
| Participant deferral / active EE | $7,768 | $5,164+50.4% | $6,247+24.3% | $3,169+145.1% |
| Admin fee / account holder | $71 | $525-86.5% | $9,244-99.2% | $479-85.2% |