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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL5 years Filed as: LPL FINANCIAL RPCP Service code 27 · EIN 04-3046611 | Advisory (Plan) | $18,820 |
THE VANGUARD GROUP, INC.10+ years Service code 15 · EIN 23-1945930 | Recordkeeping | $12,485 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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 | $111,844 | $86,940+28.6% | $102,434+9.2% | $80,935+38.2% |
| Participation rate | 69.4% | 72.4%-3.0pp | 76.5%-7.1pp | 67.7%+1.7pp |
| Annual return | 14.35% | 18.89%-4.5pp | 29.46%-15.1pp | 35.66%-21.3pp |
| Employer contribution / active EE | $403 | $2,370-83.0% | $3,023-86.7% | $2,757-85.4% |
| Participant deferral / active EE | $3,235 | $4,121-21.5% | $5,055-36.0% | $4,299-24.8% |
| Admin fee / account holder | $237 | $8,047-97.1% | $9,462-97.5% | $6,924-96.6% |