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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $12,466 |
LPL FINANCIAL2 years Filed as: LPL FINANCIAL LLC Service code 49 · EIN 95-2834236 | Other Services | $2,224 |
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.
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 | $21,944 | $47,766-54.1% | $82,763-73.5% | $64,824-66.1% |
| Participation rate | 23.5% | 67.7%-44.2pp | 72.6%-49.1pp | 71.5%-48.0pp |
| Annual return | -16.55% | -13.06%-3.5pp | 702.45%-719.0pp | 32.84%-49.4pp |
| Employer contribution / active EE | $129 | $2,182-94.1% | $3,008-95.7% | $2,507-94.8% |
| Participant deferral / active EE | $1,240 | $3,332-62.8% | $4,395-71.8% | $4,311-71.2% |
| Admin fee / account holder | $181 | $143+26.4% | $5,325-96.6% | $188-3.8% |