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| Provider | Service type | Compensation |
|---|---|---|
Service code 64 · EIN 13-2624428 | Recordkeeping Fees | $15,758 |
LPL FINANCIAL1 year Filed as: LPL FINANCIAL LLC Service code 27 PO BOX 5802533 · SAN DIEGO, CA 92150 | Advisory (Plan) | $15,593 |
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.)
Annual investment return 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).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $46,275 | $84,499-45.2% | $125,391-63.1% | $66,949-30.9% |
| Participation rate | 68.9% | 76.4%-7.6pp | 82.4%-13.5pp | 69.8%-1.0pp |
| Annual return | -18.22% | -8.49%-9.7pp | 572.41%-590.6pp | 1.57%-19.8pp |
| Employer contribution / active EE | $2,623 | $3,554-26.2% | $4,816-45.5% | $2,545+3.1% |
| Participant deferral / active EE | $5,386 | $6,785-20.6% | $7,448-27.7% | $4,239+27.1% |
| Admin fee / account holder | $310 | $685-54.7% | $10,009-96.9% | $594-47.7% |