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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL5+ years Service code 15 · EIN 04-3046611 | Recordkeeping | $17,109 |
ADP BROKER-DEALER5+ years Filed as: ADP, LLC Service code 15 · EIN 13-3036745 | Recordkeeping | $2,050 |
ADP BROKER-DEALER5+ 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.
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).
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 | $54,387 | $197,263-72.4% | $76,823-29.2% | - |
| Participation rate | 55.6% | 67.9%-12.3pp | 72.1%-16.5pp | - |
| Annual return | 18.04% | 16.18%+1.9pp | 1166.42%-1148.4pp | - |
| Employer contribution / active EE | $583 | $1,949-70.1% | $2,302-74.7% | - |
| Participant deferral / active EE | $4,091 | $3,315+23.4% | $3,336+22.6% | - |
| Admin fee / account holder | $259 | $14,091-98.2% | $6,422-96.0% | - |