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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL3+ years Filed as: LPL FINANCIAL, LLC Service code 27 · EIN 04-3046611 | Advisory (Plan) | $17,405 |
Service code 15 · EIN 31-1281022 | Recordkeeping | $15,412 |
BENEFIT PLANNING CONSULTANTS3+ years Filed as: BENEFIT PLANNING CONSULTANTS INC Service code 15 · EIN 36-3036100 | Recordkeeping | $3,236 |
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 | $41,442 | $31,388+32.0% | $73,550-43.7% | $62,293-33.5% |
| Participation rate | 33.9% | 39.9%-6.0pp | 54.9%-21.1pp | 69.5%-35.6pp |
| Annual return | 16.44% | 25.34%-8.9pp | -15.16%+31.6pp | 28.90%-12.5pp |
| Employer contribution / active EE | $389 | $498-21.9% | $1,219-68.1% | $2,042-81.0% |
| Participant deferral / active EE | $755 | $1,028-26.6% | $1,804-58.1% | $3,169-76.2% |
| Admin fee / account holder | $558 | $299+86.3% | $2,320-76.0% | $479+16.4% |