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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL3 years Filed as: LPL FINANCIAL LLC Service code 55 · EIN 04-3046611 | Other Commissions | $30,963 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $9,578 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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 | $41,422 | $54,213-23.6% | $93,696-55.8% | $77,736-46.7% |
| Participation rate | 68.3% | 64.0%+4.3pp | 68.7%-0.4pp | 70.6%-2.3pp |
| Annual return | 15.48% | 30.55%-15.1pp | 133.74%-118.3pp | 31.26%-15.8pp |
| Employer contribution / active EE | $429 | $1,168-63.3% | $2,422-82.3% | $2,728-84.3% |
| Participant deferral / active EE | $1,787 | $3,145-43.2% | $4,417-59.5% | $4,651-61.6% |
| Admin fee / account holder | $30 | $575-94.8% | $8,287-99.6% | $433-93.1% |