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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL4 years Filed as: LPL FINANCIAL LLC Service code 27 · EIN 04-3046611 | Advisory (Plan) | $37,635 |
Service code 37 · EIN 04-2647786 | Loan Processing | $25,238 |
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 | $108,324 | $104,479+3.7% | $159,474-32.1% | $79,391+36.4% |
| Participation rate | 97.4% | 76.6%+20.8pp | 82.8%+14.6pp | 70.7%+26.7pp |
| Annual return | 17.06% | 67.98%-50.9pp | 263.68%-246.6pp | 116.88%-99.8pp |
| Employer contribution / active EE | $5,638 | $3,417+65.0% | $4,831+16.7% | $2,428+132.2% |
| Participant deferral / active EE | $8,895 | $6,468+37.5% | $7,353+21.0% | $4,046+119.9% |
| Admin fee / account holder | $383 | $711-46.1% | $10,802-96.5% | $627-38.8% |