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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL3 years Filed as: LPL FINANCIAL CORPORATION RPCP Service code 15 · EIN 95-2834236 | Recordkeeping | $19,371 |
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $13,291 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $25,582 | $61,166-58.2% | $185,837-86.2% | $79,393-67.8% |
| Participation rate | 46.3% | 66.6%-20.3pp | 81.7%-35.4pp | 70.7%-24.4pp |
| Annual return | 10.60% | 19.45%-8.8pp | 122.08%-111.5pp | 116.87%-106.3pp |
| Employer contribution / active EE | $578 | $2,321-75.1% | $5,168-88.8% | $2,428-76.2% |
| Participant deferral / active EE | $1,291 | $2,789-53.7% | $5,568-76.8% | $4,046-68.1% |
| Admin fee / account holder | $200 | $710-71.8% | $16,241-98.8% | $627-68.0% |