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| Provider | Service type | Compensation |
|---|---|---|
EMPLOYEE FIDUCIARY, LLC1 year Filed as: EMPLOYEE FIDUCIARY Service code 15 · EIN 61-1579239 250 STATE STREET · MOBILE, AL 36603 | Recordkeeping | $5,193 |
LPL FINANCIAL1 year Service code 28 · EIN 95-2834236 120 S. WARNER RD., SUITE 201 · KING OF PRUSSIA, PA 19406 | Investment Management | $5,147 |
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.
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
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 | $35,486 | $71,192-50.2% | $117,861-69.9% | $62,293-43.0% |
| Participation rate | 21.3% | 74.2%-52.9pp | 79.7%-58.3pp | 69.5%-48.2pp |
| Annual return | 12.16% | 18.66%-6.5pp | 335.11%-322.9pp | 28.90%-16.7pp |
| Employer contribution / active EE | $0 | $1,934-100.0% | $3,786-100.0% | $2,042-100.0% |
| Participant deferral / active EE | $734 | $3,189-77.0% | $4,482-83.6% | $3,169-76.8% |
| Admin fee / account holder | $340 | $587-42.0% | $8,021-95.8% | $479-29.0% |