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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL3 years Filed as: LPL FINANCIAL LLC Service code 27 · EIN 04-3046611 | Advisory (Plan) | $35,000 |
FIDELITY INVESTMENTS INSTITUTIONAL10+ years Service code 37 · EIN 04-2647786 | Loan Processing | $703 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
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 | $227,581 | $46,688+387.5% | $189,758+19.9% | $69,733+226.4% |
| Participation rate | 81.0% | 61.7%+19.3pp | 79.8%+1.2pp | 62.5%+18.5pp |
| Annual return | 18.09% | 14.35%+3.7pp | 52.62%-34.5pp | 15.22%+2.9pp |
| Employer contribution / active EE | $4,923 | $1,695+190.4% | $4,767+3.3% | $2,250+118.8% |
| Participant deferral / active EE | $5,105 | $2,143+138.2% | $5,856-12.8% | $3,054+67.1% |
| Admin fee / account holder | $301 | $1,700-82.3% | $20,388-98.5% | $3,102-90.3% |