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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL3 years Filed as: LPL FINANCIAL LLC RPCP Service code 15 · EIN 04-3046611 P O BOX 502533 · SAN DIEGO, CA 92150 | Recordkeeping | $39,073 |
PAYCHEX, INC.3 years Service code 15 · EIN 16-1124166 911 PANORAMA TRAIL S · ROCHESTER, NY 14625 | Recordkeeping | $15,204 |
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 | $48,503 | $91,439-47.0% | $135,974-64.3% | $71,511-32.2% |
| Participation rate | 94.6% | 75.7%+18.9pp | 81.9%+12.6pp | 67.9%+26.6pp |
| Annual return | 18.69% | 29.90%-11.2pp | 68.30%-49.6pp | 28.86%-10.2pp |
| Employer contribution / active EE | $4,578 | $3,705+23.6% | $4,859-5.8% | $2,589+76.8% |
| Participant deferral / active EE | $8,039 | $7,093+13.3% | $7,760+3.6% | $4,291+87.4% |
| Admin fee / account holder | $310 | $1,267-75.5% | $10,767-97.1% | $1,588-80.5% |