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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL3+ years Filed as: LPL FINANCIAL RPCP Service code 27 · EIN 04-3046611 | Advisory (Plan) | $14,794 |
ASCENSUS LLC3+ years Service code 15 · EIN 11-3665754 | Recordkeeping | $10,172 |
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.)
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 | $34,390 | $41,647-17.4% | $96,161-64.2% | $86,813-60.4% |
| Participation rate | 18.8% | 50.3%-31.5pp | 68.4%-49.7pp | 72.3%-53.5pp |
| Annual return | 13.34% | 27.24%-13.9pp | 192.01%-178.7pp | 97.93%-84.6pp |
| Employer contribution / active EE | $0 | $1,328-100.0% | $2,798-100.0% | $2,406-100.0% |
| Participant deferral / active EE | $398 | $2,412-83.5% | $4,349-90.8% | $4,131-90.4% |
| Admin fee / account holder | $462 | $169+173.0% | $5,538-91.7% | $170+172.7% |