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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL2+ years Filed as: LPL FINANCIAL LLC - RPCP Service code 27 · EIN 04-3046611 | Advisory (Plan) | $28,813 |
PRINCIPAL LIFE INSURANCE COMPANY2+ years Service code 13 · EIN 42-0127290 | Contract Administrator | $11,196 |
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
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 | $45,349 | $43,423+4.4% | $78,676-42.4% | $55,167-17.8% |
| Participation rate | 87.3% | 68.0%+19.3pp | 73.6%+13.7pp | 69.0%+18.3pp |
| Annual return | 9.03% | 11.53%-2.5pp | 62.19%-53.2pp | 169.23%-160.2pp |
| Employer contribution / active EE | $1,178 | $1,997-41.0% | $2,850-58.7% | $1,963-40.0% |
| Participant deferral / active EE | $3,054 | $2,509+21.7% | $3,517-13.2% | $3,0540% |
| Admin fee / account holder | $328 | $416-21.3% | $4,510-92.7% | $504-35.0% |