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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL1 year Filed as: LPL FINANCIAL RPCP Service code 27 · EIN 04-3046611 | Advisory (Plan) | $44,054 |
THE VANGUARD GROUP, INC.10+ years Service code 15 · EIN 23-1945930 | Recordkeeping | $34,056 |
REGION'S BANK7 years Service code 27 · EIN 13-6115217 | Advisory (Plan) | $17,448 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $102,732 | $89,465+14.8% | $165,071-37.8% | $77,736+32.2% |
| Participation rate | 46.6% | 78.6%-32.1pp | 78.6%-32.0pp | 70.6%-24.0pp |
| Annual return | 13.62% | 28.86%-15.2pp | 70.17%-56.6pp | 31.26%-17.6pp |
| Employer contribution / active EE | $1,947 | $2,565-24.1% | $4,347-55.2% | $2,728-28.6% |
| Participant deferral / active EE | $3,739 | $4,904-23.8% | $6,035-38.0% | $4,651-19.6% |
| Admin fee / account holder | $325 | $340-4.3% | $12,695-97.4% | $433-25.0% |