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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL1 year Filed as: LPL FINANCIAL ADVISOR Service code 27 105 LINCOLN WAY · VALPARAISO, IN 463835637 | Advisory (Plan) | $22,326 |
Service code 12 · EIN 48-1205033 | Participant loan processing; Recordke... | $17,196 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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).
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 | $12,933 | $66,601-80.6% | $92,909-86.1% | $67,579-80.9% |
| Participation rate | 67.5% | 72.5%-5.0pp | 76.0%-8.5pp | 71.3%-3.7pp |
| Annual return | 119.86% | 92.58%+27.3pp | 109.44%+10.4pp | 378.56%-258.7pp |
| Employer contribution / active EE | $1,439 | $2,775-48.2% | $3,653-60.6% | $2,148-33.0% |
| Participant deferral / active EE | $3,228 | $3,157+2.3% | $4,238-23.8% | $3,539-8.8% |
| Admin fee / account holder | $132 | $199-33.5% | $5,795-97.7% | $142-7.1% |