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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 | $43,749+420.2% | $158,223+43.8% | $65,306+248.5% |
| Participation rate | 81.0% | 56.9%+24.1pp | 79.2%+1.8pp | 57.7%+23.3pp |
| Annual return | 18.09% | 19.41%-1.3pp | 52.09%-34.0pp | 21.94%-3.8pp |
| Employer contribution / active EE | $4,923 | $1,497+228.7% | $4,109+19.8% | $1,967+150.2% |
| Participant deferral / active EE | $5,105 | $2,019+152.8% | $5,467-6.6% | $2,959+72.5% |
| Admin fee / account holder | $301 | $1,930-84.4% | $16,047-98.1% | $3,480-91.4% |