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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL2 years Filed as: LPL FINANCIAL LLC Service code 26 · EIN 04-3046611 | Advisory (Participants) | $19,487 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
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.
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 | $87,401 | $59,267+47.5% | $96,575-9.5% | $79,393+10.1% |
| Participation rate | 43.1% | 61.9%-18.8pp | 69.8%-26.7pp | 70.7%-27.6pp |
| Annual return | 9.94% | 27.08%-17.1pp | 37.79%-27.8pp | 116.87%-106.9pp |
| Employer contribution / active EE | $411 | $1,216-66.2% | $2,357-82.6% | $2,428-83.1% |
| Participant deferral / active EE | $2,481 | $2,947-15.8% | $3,849-35.5% | $4,046-38.7% |
| Admin fee / account holder | $701 | $659+6.5% | $6,182-88.7% | $627+11.9% |