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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL3 years Filed as: LPL FINANCIAL CORPORATION RPCP Service code 15 · EIN 95-2834236 | Recordkeeping | $18,715 |
ADP BROKER-DEALER5 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $8,729 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Annual investment return is in the bottom quintile of the peer cohort.
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).
Plan reported corrective distributions (failed ADP/ACP testing).
Auditor signed off without reservation - the cleanest possible opinion.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $14,599 | $101,672-85.6% | $147,117-90.1% | $74,478-80.4% |
| Participation rate | 64.6% | 75.5%-11.0pp | 82.2%-17.6pp | 67.2%-2.6pp |
| Annual return | 7.12% | 8757.83%-8750.7pp | 420.54%-413.4pp | 1370.56%-1363.4pp |
| Employer contribution / active EE | $0 | $3,813-100.0% | $4,932-100.0% | $2,626-100.0% |
| Participant deferral / active EE | $3,416 | $7,305-53.2% | $8,065-57.6% | $4,350-21.5% |
| Admin fee / account holder | $101 | $1,753-94.2% | $12,993-99.2% | $1,946-94.8% |