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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL2 years Filed as: LPL FINANCIAL LLC Service code 27 · EIN 04-3046611 | Advisory (Plan) | $17,347 |
Service code 37 · EIN 04-2647786 | Loan Processing | $9,614 |
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).
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 | $27,042 | $89,652-69.8% | $141,191-80.8% | $65,185-58.5% |
| Participation rate | 68.0% | 74.7%-6.7pp | 82.5%-14.5pp | 70.2%-2.2pp |
| Annual return | 24.66% | 32.79%-8.1pp | 71.41%-46.7pp | 29.38%-4.7pp |
| Employer contribution / active EE | $847 | $3,065-72.4% | $4,736-82.1% | $2,177-61.1% |
| Participant deferral / active EE | $1,587 | $5,691-72.1% | $6,710-76.3% | $3,514-54.8% |
| Admin fee / account holder | $173 | $569-69.6% | $10,264-98.3% | $847-79.6% |