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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL1 year Filed as: LPL FINANCIAL CORPORATION RPCP Service code 15 · EIN 95-2834236 | Recordkeeping | $12,514 |
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $2,956 |
ADP BROKER-DEALER8 years Service code 49 · EIN 22-3319984 | Other Services | $0 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,567 | $91,710-56.9% | $67,560-41.4% | $77,762-49.1% |
| Participation rate | 29.4% | 76.0%-46.7pp | 72.9%-43.6pp | 70.6%-41.2pp |
| Annual return | 32.12% | 14.88%+17.2pp | 3533.50%-3501.4pp | 31.27%+0.8pp |
| Employer contribution / active EE | $0 | $3,187-100.0% | $2,737-100.0% | $2,728-100.0% |
| Participant deferral / active EE | $2,561 | $3,911-34.5% | $4,004-36.0% | $4,651-44.9% |
| Admin fee / account holder | $97 | $245-60.5% | $3,994-97.6% | $433-77.7% |