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| Provider | Service type | Compensation |
|---|---|---|
LPL FINANCIAL3 years Service code 13 PO BOX 502533 · SAN DIEGO, CA 921502533 | Contract Administrator | $7,074 |
R.D. HOAG & ASSOCIATES, LLC2 years Filed as: RD HOAG & ASSOCIATES PC Service code 10 555 N BELL AVE STE 100 · CARNEGIE, PA 15106 | Accounting | $6,744 |
AMERICAN FUNDS4+ years Filed as: CAPITAL RESEARCH & MANAGEMENT CO. Service code 25 · EIN 95-1411037 | Directed Trustee | $6,320 |
Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
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).
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 | $36,308 | $47,977-24.3% | $154,108-76.4% | $56,289-35.5% |
| Participation rate | 23.5% | 66.2%-42.7pp | 83.0%-59.5pp | 69.9%-46.4pp |
| Annual return | -5.58% | 3.54%-9.1pp | 735.21%-740.8pp | -9.96%+4.4pp |
| Employer contribution / active EE | $114 | $2,169-94.7% | $5,298-97.8% | $2,111-94.6% |
| Participant deferral / active EE | $941 | $2,392-60.6% | $5,081-81.5% | $3,350-71.9% |
| Admin fee / account holder | $428 | $438-2.2% | $13,411-96.8% | $521-17.8% |