Filed December 10, 2025
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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL2+ years Service code 27 PO BOX 502533 · SAN DIEGO, CA 92150 | Advisory (Plan) | $27,880 |
Service code 37 · EIN 04-2647786 | Loan Processing | $625 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported that benefits due were not provided when due.
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 | $125,035 | $56,054+123.1% | $171,082-26.9% | $62,881+98.8% |
| Participation rate | 73.9% | 62.9%+11.0pp | 76.7%-2.8pp | 69.3%+4.6pp |
| Annual return | 5.91% | 22.52%-16.6pp | 32.56%-26.6pp | 20.14%-14.2pp |
| Employer contribution / active EE | $340 | $1,731-80.4% | $4,002-91.5% | $2,281-85.1% |
| Participant deferral / active EE | $6,582 | $3,158+108.4% | $4,797+37.2% | $3,203+105.5% |
| Admin fee / account holder | $303 | $3,647-91.7% | $8,520-96.4% | $4,296-92.9% |