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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL1+ years Filed as: FINANCIAL ADVOCATES INVESTMENT MGT Service code 27 · EIN 27-0435466 | Advisory (Plan) | $32,152 |
CLARK NUBER1+ years Filed as: CLARK NUBER PS Service code 10 · EIN 91-1194016 | Accounting | $8,000 |
Service code 37 · EIN 04-2647786 | Loan Processing | $400 |
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.
More than 10% of assets are held in cash - possible menu-design or default-fund problem.
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $74,158 | $27,330+171.3% | $67,711+9.5% | $55,191+34.4% |
| Participation rate | 25.3% | 47.5%-22.2pp | 67.5%-42.2pp | 69.2%-43.8pp |
| Annual return | 0.04% | 8.81%-8.8pp | 25.41%-25.4pp | 10.78%-10.7pp |
| Employer contribution / active EE | $0 | $855-100.0% | $2,559-100.0% | $1,899-100.0% |
| Participant deferral / active EE | $4,562 | $1,709+167.0% | $3,585+27.2% | $3,046+49.7% |
| Admin fee / account holder | $176 | $109+60.7% | $4,255-95.9% | $91+93.4% |