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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL1 year Filed as: FINANCIAL ADVOCATES INVESTMENT Service code 27 1601 COOPER POINT ROAD NW · OLYMPIA, WA 98502 | Advisory (Plan) | $6,153 |
Filed as: GREAT WEST LIFE & ANNUITY INS Service code 64 8515 EAST ORCHARD ROAD · GREENWOOD VILLAGE, OH 80111 | Recordkeeping Fees | $5,572 |
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.
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 | $40,565 | $38,365+5.7% | $84,628-52.1% | $65,185-37.8% |
| Participation rate | 22.2% | 55.7%-33.5pp | 68.2%-46.1pp | 70.2%-48.0pp |
| Annual return | 15.65% | 32.00%-16.3pp | 258.80%-243.1pp | 29.38%-13.7pp |
| Employer contribution / active EE | $8 | $1,258-99.4% | $2,653-99.7% | $2,177-99.6% |
| Participant deferral / active EE | $1,693 | $2,278-25.7% | $3,900-56.6% | $3,514-51.8% |
| Admin fee / account holder | $490 | $451+8.5% | $4,914-90.0% | $847-42.2% |