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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL1+ years Filed as: LPL FINANCIAL CORPORATION Service code 49 · EIN 95-2834236 | Other Services | $6,718 |
PRINCIPAL LIFE INSURANCE COMPANY1+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $3,619 |
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
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 | $13,565 | $88,324-84.6% | $115,038-88.2% | $55,191-75.4% |
| Participation rate | 82.8% | 72.5%+10.3pp | 81.4%+1.5pp | 69.2%+13.7pp |
| Annual return | 15.26% | 6.30%+9.0pp | 26.14%-10.9pp | 10.78%+4.5pp |
| Employer contribution / active EE | $2,990 | $2,805+6.6% | $4,608-35.1% | $1,899+57.5% |
| Participant deferral / active EE | $2,326 | $5,042-53.9% | $6,026-61.4% | $3,046-23.6% |
| Admin fee / account holder | $11 | $105-89.4% | $8,175-99.9% | $91-87.7% |