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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL7 years Filed as: LPL FINANCIAL RPCP Service code 27 · EIN 04-3046611 | Advisory (Plan) | $26,279 |
THE VANGUARD GROUP, INC.10+ years Service code 15 · EIN 23-1945930 | Recordkeeping | $15,900 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $89,158 | $62,177+43.4% | $81,370+9.6% | $74,478+19.7% |
| Participation rate | 63.4% | 64.1%-0.7pp | 69.5%-6.2pp | 67.2%-3.8pp |
| Annual return | 14.94% | 16.62%-1.7pp | 24.85%-9.9pp | 1370.56%-1355.6pp |
| Employer contribution / active EE | $543 | $1,881-71.1% | $2,464-77.9% | $2,626-79.3% |
| Participant deferral / active EE | $4,456 | $3,219+38.4% | $3,885+14.7% | $4,350+2.4% |
| Admin fee / account holder | $315 | $1,927-83.7% | $5,749-94.5% | $1,946-83.8% |