Filed December 10, 2025
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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL1+ years Service code 27 · EIN 04-3046611 | Advisory (Plan) | $31,720 |
Service code 37 · EIN 04-2647786 | Loan Processing | $725 |
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).
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 | $127,372 | $52,519+142.5% | $155,789-18.2% | $59,633+113.6% |
| Participation rate | 69.7% | 61.7%+8.0pp | 76.1%-6.4pp | 68.7%+1.1pp |
| Annual return | 3.22% | 53.51%-50.3pp | 71.54%-68.3pp | 2041.45%-2038.2pp |
| Employer contribution / active EE | $391 | $1,589-75.4% | $3,839-89.8% | $2,203-82.3% |
| Participant deferral / active EE | $6,122 | $3,084+98.5% | $4,798+27.6% | $3,192+91.8% |
| Admin fee / account holder | $349 | $3,540-90.1% | $7,477-95.3% | $4,297-91.9% |