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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $65,085 |
LPL FINANCIAL1 year Filed as: LPL FINANCIAL LLC Service code 49 · EIN 95-2834236 | Other Services | $4,413 |
Filed as: PRINCIPAL SECURITIES INC Service code 49 · EIN 42-0941553 | Other Services | $1,418 |
MORNINGSTAR2 years Filed as: MORNINGSTAR INVESTMENT MANAGEMENT L Service code 26 · EIN 36-4317381 | Advisory (Participants) | $0 |
Filed as: WILSHIRE ADVISORS LLC Service code 27 · EIN 95-2755361 | Advisory (Plan) | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $32,717 | $107,218-69.5% | $115,768-71.7% | $79,634-58.9% |
| Participation rate | 51.1% | 76.8%-25.7pp | 74.4%-23.2pp | 62.5%-11.3pp |
| Annual return | 13.95% | 15.41%-1.5pp | 100.46%-86.5pp | 36.46%-22.5pp |
| Employer contribution / active EE | $843 | $3,627-76.7% | $2,940-71.3% | $2,529-66.7% |
| Participant deferral / active EE | $1,978 | $5,091-61.1% | $4,917-59.8% | $3,835-48.4% |
| Admin fee / account holder | $222 | $576-61.4% | $12,439-98.2% | $1,002-77.8% |