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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL4+ years Filed as: LPL FINANCIAL RPCP Service code 27 · EIN 04-3046611 | Advisory (Plan) | $13,194 |
ASCENSUS LLC4+ years Service code 15 · EIN 11-3665754 | Recordkeeping | $8,787 |
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.)
Annual investment return is in the bottom quintile of the peer cohort.
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 signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $21,025 | $51,226-59.0% | $82,744-74.6% | $66,938-68.6% |
| Participation rate | 24.9% | 67.9%-43.0pp | 72.6%-47.7pp | 69.8%-44.9pp |
| Annual return | -18.80% | -9.61%-9.2pp | 702.22%-721.0pp | 1.58%-20.4pp |
| Employer contribution / active EE | $0 | $2,612-100.0% | $3,008-100.0% | $2,545-100.0% |
| Participant deferral / active EE | $668 | $3,460-80.7% | $4,395-84.8% | $4,238-84.2% |
| Admin fee / account holder | $323 | $416-22.2% | $5,325-93.9% | $594-45.5% |