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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 | $86,919+28.7% | $102,457+9.2% | $80,911+38.2% |
| Participation rate | 69.4% | 72.4%-3.0pp | 76.5%-7.1pp | 67.6%+1.7pp |
| Annual return | 14.35% | 18.90%-4.5pp | 29.41%-15.1pp | 35.63%-21.3pp |
| Employer contribution / active EE | $403 | $2,368-83.0% | $3,022-86.6% | $2,756-85.4% |
| Participant deferral / active EE | $3,235 | $4,119-21.5% | $5,054-36.0% | $4,297-24.7% |
| Admin fee / account holder | $237 | $8,049-97.1% | $9,451-97.5% | $6,935-96.6% |