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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 | $41,016+454.9% | $152,093+49.6% | $64,097+255.1% |
| Participation rate | 81.0% | 51.3%+29.6pp | 77.8%+3.2pp | 55.2%+25.8pp |
| Annual return | 18.09% | 39.60%-21.5pp | 66.36%-48.3pp | 34.64%-16.5pp |
| Employer contribution / active EE | $4,923 | $1,342+266.7% | $4,175+17.9% | $1,891+160.3% |
| Participant deferral / active EE | $5,105 | $1,927+164.8% | $5,451-6.4% | $3,080+65.7% |
| Admin fee / account holder | $301 | $2,305-87.0% | $14,497-97.9% | $3,454-91.3% |