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| Provider | Service type | Compensation |
|---|---|---|
Service code 13 · EIN 42-0127290 | Contract Administrator | $46,656 |
LPL FINANCIAL3 years Filed as: LPL FINANCIAL LLC - RPCP Service code 27 · EIN 04-3046611 | Advisory (Plan) | $12,654 |
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.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $29,472 | $45,126-34.7% | $85,187-65.4% | $74,459-60.4% |
| Participation rate | 44.8% | 49.4%-4.6pp | 67.5%-22.7pp | 67.2%-22.4pp |
| Annual return | 14.72% | 26.30%-11.6pp | 66.67%-51.9pp | 1369.70%-1355.0pp |
| Employer contribution / active EE | $972 | $1,460-33.5% | $2,732-64.4% | $2,626-63.0% |
| Participant deferral / active EE | $2,206 | $2,738-19.5% | $4,525-51.3% | $4,350-49.3% |
| Admin fee / account holder | $316 | $2,212-85.7% | $6,162-94.9% | $1,945-83.8% |