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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL7 years Filed as: LPL FINANCIAL LLC Service code 27 · EIN 04-3046611 | Advisory (Plan) | $53,061 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $30,665 |
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 | $128,895 | $101,499+27.0% | $147,005-12.3% | $74,546+72.9% |
| Participation rate | 99.2% | 75.5%+23.6pp | 82.2%+17.0pp | 67.2%+32.0pp |
| Annual return | 17.55% | 8732.34%-8714.8pp | 418.76%-401.2pp | 1366.03%-1348.5pp |
| Employer contribution / active EE | $4,724 | $3,811+24.0% | $4,934-4.3% | $2,624+80.0% |
| Participant deferral / active EE | $11,449 | $7,304+56.7% | $8,070+41.9% | $4,347+163.4% |
| Admin fee / account holder | $434 | $1,748-75.2% | $13,006-96.7% | $1,944-77.7% |