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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL2+ years Filed as: LPL FINANCIAL RPCP Service code 27 · EIN 04-3046611 | Advisory (Plan) | $10,880 |
ASCENSUS LLC2+ years Service code 15 · EIN 11-3665754 | Recordkeeping | $7,825 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $31,462 | $78,781-60.1% | $100,535-68.7% | $73,412-57.1% |
| Participation rate | 16.5% | 80.0%-63.5pp | 79.4%-62.9pp | 72.2%-55.7pp |
| Annual return | 26.23% | 31.69%-5.5pp | 30.90%-4.7pp | 59.30%-33.1pp |
| Employer contribution / active EE | $0 | $2,420-100.0% | $3,419-100.0% | $2,234-100.0% |
| Participant deferral / active EE | $260 | $6,537-96.0% | $6,271-95.9% | $3,806-93.2% |
| Admin fee / account holder | $360 | $145+147.5% | $8,085-95.6% | $158+127.8% |