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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL1+ years Filed as: LPL FINANCIAL SERVICES Service code 15 730 HEBRON AVE · GLASTONBURY, CT 06033 | Recordkeeping | $12,046 |
PAYCHEX, INC.1+ years Service code 15 · EIN 16-1124166 | Recordkeeping | $11,917 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $62,607 | $33,745+85.5% | $64,105-2.3% | $55,191+13.4% |
| Participation rate | 25.3% | 59.4%-34.1pp | 68.2%-42.9pp | 69.2%-43.9pp |
| Annual return | -1.16% | 4.95%-6.1pp | 791.24%-792.4pp | 10.78%-11.9pp |
| Employer contribution / active EE | $564 | $641-12.0% | $1,820-69.0% | $1,899-70.3% |
| Participant deferral / active EE | $1,183 | $1,929-38.7% | $2,822-58.1% | $3,046-61.2% |
| Admin fee / account holder | $311 | $94+229.6% | $4,499-93.1% | $91+242.5% |