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| Provider | Service type | Compensation |
|---|---|---|
Service code 37 · EIN 04-2647786 | Loan Processing | $10,939 |
Service code 27 · EIN 47-1411118 | Advisory (Plan) | $5,149 |
LPL FINANCIAL4 years Filed as: LPL FINANCIAL LLC Service code 55 · EIN 04-3046611 | Other Commissions | $3,448 |
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.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan reported corrective distributions (failed ADP/ACP testing).
Sponsor crossed the 100-balance-holder threshold in the most recent filing - large-plan audit requirement now applies.
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 | $41,000 | $63,114-35.0% | $92,915-55.9% | $65,186-37.1% |
| Participation rate | 49.1% | 68.8%-19.7pp | 76.0%-26.9pp | 70.2%-21.1pp |
| Annual return | 19.68% | 28.75%-9.1pp | 109.45%-89.8pp | 29.39%-9.7pp |
| Employer contribution / active EE | $521 | $2,571-79.7% | $3,653-85.7% | $2,177-76.1% |
| Participant deferral / active EE | $1,563 | $3,108-49.7% | $4,238-63.1% | $3,514-55.5% |
| Admin fee / account holder | $165 | $624-73.5% | $5,796-97.2% | $847-80.5% |