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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL1 year Filed as: LPL Service code 27 · EIN 04-3046611 | Advisory (Plan) | $13,535 |
Service code 37 · EIN 04-2647786 | Loan Processing | $7,548 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant 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).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $29,152 | $80,753-63.9% | $136,298-78.6% | $62,293-53.2% |
| Participation rate | 47.8% | 73.5%-25.8pp | 81.9%-34.2pp | 69.5%-21.7pp |
| Annual return | 18.89% | 35.83%-16.9pp | 5156.27%-5137.4pp | 28.90%-10.0pp |
| Employer contribution / active EE | $699 | $2,884-75.8% | $4,696-85.1% | $2,042-65.8% |
| Participant deferral / active EE | $1,226 | $5,164-76.3% | $6,247-80.4% | $3,169-61.3% |
| Admin fee / account holder | $192 | $525-63.5% | $9,244-97.9% | $479-60.0% |