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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $10,174 |
LPL FINANCIAL3 years Filed as: LPL FINANCIAL LLC - RPCP Service code 27 · EIN 04-3046611 | Advisory (Plan) | $9,436 |
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).
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 | $45,157 | $66,302-31.9% | $110,243-59.0% | $56,289-19.8% |
| Participation rate | 30.9% | 74.9%-44.0pp | 79.8%-48.9pp | 69.9%-38.9pp |
| Annual return | -10.39% | -1.18%-9.2pp | 314.76%-325.1pp | -9.96%-0.4pp |
| Employer contribution / active EE | $846 | $2,047-58.7% | $3,827-77.9% | $2,111-59.9% |
| Participant deferral / active EE | $1,769 | $3,381-47.7% | $4,672-62.1% | $3,350-47.2% |
| Admin fee / account holder | $384 | $698-45.0% | $8,548-95.5% | $521-26.2% |