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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL2+ years Filed as: LPL FINANCIAL, LLC Service code 27 · EIN 04-3046611 | Advisory (Plan) | $15,632 |
Service code 15 · EIN 31-1281022 | Recordkeeping | $13,394 |
BENEFIT PLANNING CONSULTANTS2+ years Filed as: BENEFIT PLANNING CONSULTANTS INC Service code 15 · EIN 36-3036100 | Recordkeeping | $1,694 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Form 5500 reported a failure to timely transmit participant contributions (Schedule H line 4a).
Auditor declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $35,034 | $25,723+36.2% | $69,182-49.4% | $55,167-36.5% |
| Participation rate | 33.6% | 39.4%-5.8pp | 55.1%-21.5pp | 69.0%-35.4pp |
| Annual return | 6.17% | 9.56%-3.4pp | -21.93%+28.1pp | 169.23%-163.1pp |
| Employer contribution / active EE | $414 | $480-13.9% | $1,206-65.7% | $1,963-78.9% |
| Participant deferral / active EE | $936 | $963-2.9% | $1,897-50.7% | $3,054-69.4% |
| Admin fee / account holder | $539 | $365+47.9% | $2,697-80.0% | $504+7.0% |