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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL3 years Filed as: LPL FINANCIAL LLC Service code 55 · EIN 04-3046611 | Other Commissions | $8,369 |
Service code 37 · EIN 04-2647786 | Loan Processing | $2,230 |
NATIONAL FINANCIAL SERVICES3 years Filed as: NATIONAL FINANCIAL SERVICES LLC Service code 61 · EIN 04-3523567 | Finders' fees / placement fees | $0 |
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.
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 declined to express an opinion - usually a 103(a)(3)(C) limited-scope election.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $29,257 | $35,485-17.6% | $74,552-60.8% | $55,725-47.5% |
| Participation rate | 39.1% | 62.5%-23.5pp | 69.1%-30.1pp | 70.9%-31.8pp |
| Annual return | -7.55% | 0.72%-8.3pp | 32.53%-40.1pp | 244.93%-252.5pp |
| Employer contribution / active EE | $225 | $777-71.0% | $1,961-88.5% | $2,078-89.2% |
| Participant deferral / active EE | $1,181 | $2,181-45.9% | $3,108-62.0% | $3,356-64.8% |
| Admin fee / account holder | $20 | $114-82.6% | $5,060-99.6% | $115-82.8% |