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| Provider | Service type | Compensation |
|---|---|---|
Service code 12 · EIN 13-3689044 | Sales loads (front end and deferred);... | $60,073 |
LPL FINANCIAL9+ years Filed as: LPL HOLDINGS, INC. Service code 16 · EIN 04-3046611 | Consulting | $32,022 |
JANOVER LLC8 years Service code 10 · EIN 11-3258497 | Accounting | $7,500 |
NATIONAL FINANCIAL SERVICES9+ years Service code 33 · EIN 04-3523567 | Securities brokerage; Securities brok... | $0 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 | $62,593 | $89,282-29.9% | $94,664-33.9% | $74,460-15.9% |
| Participation rate | 97.8% | 82.4%+15.4pp | 80.8%+16.9pp | 70.7%+27.0pp |
| Annual return | 13.79% | 25.96%-12.2pp | 156.84%-143.0pp | 34.38%-20.6pp |
| Employer contribution / active EE | $580 | $3,022-80.8% | $3,673-84.2% | $2,638-78.0% |
| Participant deferral / active EE | $4,665 | $8,425-44.6% | $7,417-37.1% | $4,530+3.0% |
| Admin fee / account holder | $306 | $219+39.6% | $7,222-95.8% | $348-12.2% |