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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL2 years Service code 27 PO BOX 502533 · SAN DIEGO, CA 921502533 | Advisory (Plan) | $25,364 |
Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, CO 80111 | Recordkeeping Fees | $23,682 |
RAINER & COMPANY6+ years Service code 10 2 CAMPUS BLVD STE 220 · NEWTON SQUARE, PA 19073 | Accounting | $16,500 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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.
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Plan reported corrective distributions (failed ADP/ACP testing).
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 | $55,805 | $56,152-0.6% | $185,861-70.0% | $73,412-24.0% |
| Participation rate | 58.9% | 67.6%-8.6pp | 78.0%-19.1pp | 72.2%-13.2pp |
| Annual return | 11.97% | 17.59%-5.6pp | 35.96%-24.0pp | 59.30%-47.3pp |
| Employer contribution / active EE | $310 | $1,532-79.8% | $4,088-92.4% | $2,234-86.1% |
| Participant deferral / active EE | $1,686 | $3,659-53.9% | $5,634-70.1% | $3,806-55.7% |
| Admin fee / account holder | $320 | $132+142.2% | $9,503-96.6% | $158+102.5% |