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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL3 years Filed as: LPL FINANCIAL LLC - RPCP Service code 26 · EIN 04-3046611 | Advisory (Participants) | $11,931 |
Service code 15 · EIN 01-0233346 | Recordkeeping | $942 |
Filed as: WILSHIRE ASSOCIATES INC(USA) Service code 26 · EIN 95-2755361 | Advisory (Participants) | $723 |
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).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $32,667 | $86,655-62.3% | $119,622-72.7% | $66,938-51.2% |
| Participation rate | 38.9% | 75.6%-36.6pp | 79.3%-40.3pp | 69.8%-30.9pp |
| Annual return | -8.07% | -8.00%-0.1pp | -14.98%+6.9pp | 1.58%-9.7pp |
| Employer contribution / active EE | $546 | $2,536-78.5% | $4,232-87.1% | $2,545-78.6% |
| Participant deferral / active EE | $2,649 | $4,358-39.2% | $5,601-52.7% | $4,238-37.5% |
| Admin fee / account holder | $276 | $755-63.5% | $10,328-97.3% | $594-53.5% |