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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 | $43,496+423.2% | $161,489+40.9% | $64,340+253.7% |
| Participation rate | 81.0% | 53.5%+27.4pp | 78.7%+2.3pp | 55.2%+25.7pp |
| Annual return | 18.09% | 20.76%-2.7pp | 89.72%-71.6pp | 24.14%-6.1pp |
| Employer contribution / active EE | $4,923 | $1,431+244.1% | $4,268+15.3% | $1,862+164.4% |
| Participant deferral / active EE | $5,105 | $1,996+155.8% | $5,630-9.3% | $2,980+71.3% |
| Admin fee / account holder | $301 | $2,330-87.1% | $16,006-98.1% | $3,703-91.9% |