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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL6 years Filed as: LPL FINANCIAL RPCP Service code 27 · EIN 04-3046611 | Advisory (Plan) | $22,221 |
THE VANGUARD GROUP, INC.9+ years Service code 15 · EIN 23-1945930 | Recordkeeping | $14,717 |
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 | $82,108 | $56,423+45.5% | $77,183+6.4% | $71,495+14.8% |
| Participation rate | 57.8% | 64.3%-6.5pp | 69.6%-11.8pp | 67.9%-10.1pp |
| Annual return | 22.26% | 19.05%+3.2pp | 37.89%-15.6pp | 28.85%-6.6pp |
| Employer contribution / active EE | $489 | $1,866-73.8% | $2,534-80.7% | $2,589-81.1% |
| Participant deferral / active EE | $3,930 | $3,142+25.1% | $3,833+2.5% | $4,291-8.4% |
| Admin fee / account holder | $300 | $1,429-79.0% | $5,475-94.5% | $1,588-81.1% |