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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL5 years Service code 15 · EIN 04-3046611 | Recordkeeping | $19,745 |
ADP BROKER-DEALER2 years Filed as: ADP, INC. Service code 15 · EIN 13-3036745 | Recordkeeping | $7,463 |
Employer contribution per participant 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 | $14,973 | $93,131-83.9% | $106,555-85.9% | $86,821-82.8% |
| Participation rate | 86.9% | 81.4%+5.5pp | 76.1%+10.8pp | 72.3%+14.6pp |
| Annual return | 59.07% | 19.45%+39.6pp | 26.80%+32.3pp | 97.94%-38.9pp |
| Employer contribution / active EE | $600 | $2,895-79.3% | $2,819-78.7% | $2,406-75.1% |
| Participant deferral / active EE | $3,294 | $4,708-30.0% | $4,399-25.1% | $4,132-20.3% |
| Admin fee / account holder | $80 | $145-45.0% | $7,408-98.9% | $170-52.9% |