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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL6 years Filed as: LPL FINANCIAL CORPORATION RPCP Service code 15 · EIN 95-2834236 | Recordkeeping | $24,128 |
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $15,258 |
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.)
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).
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 | $42,272 | $55,472-23.8% | $155,567-72.8% | $74,546-43.3% |
| Participation rate | 45.7% | 61.9%-16.2pp | 78.2%-32.5pp | 67.2%-21.5pp |
| Annual return | 9.20% | 268.72%-259.5pp | 64.74%-55.5pp | 1366.03%-1356.8pp |
| Employer contribution / active EE | $535 | $2,269-76.4% | $4,674-88.5% | $2,624-79.6% |
| Participant deferral / active EE | $1,716 | $2,838-39.5% | $5,628-69.5% | $4,347-60.5% |
| Admin fee / account holder | $323 | $1,743-81.5% | $15,916-98.0% | $1,944-83.4% |